# EDGAR Filing Document

**Accession Number:** 0002057124
**File Stem:** 0001999371-26-001003
**Filing Date:** 2026-1
**Character Count:** 2486471
**Document Hash:** aa8cc0cd551be2b89b5e8625696a3b0d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-001003.hdr.sgml**: 20260115

**ACCESSION NUMBER**: 0001999371-26-001003

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

**PUBLIC DOCUMENT COUNT**: 64

**CONFORMED PERIOD OF REPORT**: 20260115

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

**FILED AS OF DATE**: 20260115

**DATE AS OF CHANGE**: 20260115

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07763
- **FILM NUMBER:** 26537068

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

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

---

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

---

| | |
|:---|:---|
|  | Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐ |
| ☒ | Rule 15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2) |
|  | Central Index Key Number of depositor: 0002057124 |
|  | <u>COLT 2026-1 Mortgage Loan Trust</u> |
|  | (Exact name of issuing entity as specified in its charter) |
|  | Central Index Key Number of issuing entity (if applicable):<u> </u> |
|  | Central Index Key Number of underwriter (if applicable): ________________ |

---

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

---

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

---

Not Applicable

---

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

---

Not Applicable

---

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

---

Not Applicable

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

**REPORTS**

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

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

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

Not Applicable

**SIGNATURES**

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

---

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

---

Date: January 15, 2026

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Due Diligence Executive Summary |
| [99.2](ex99-2.htm) | AMC Valuation Summary |
| [99.3](ex99-3.htm) | AMC Exception Grades |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Data Compare |
| [99.6](ex99-6.htm) | Canopy Financial Technical Partners LLC ("Canopy") Narrative |
| [99.7](ex99-7.htm) | Canopy Rating Agency Grades Detail |
| [99.8](ex99-8.htm) | Canopy Rating Agency Grades Summary |
| [99.9](ex99-9.htm) | Canopy Valuation Report |
| [99.10](ex99-10.htm) | Canopy Data Compare Report |
| [99.11](ex99-11.htm) | Clarifii LLC ("Clarifii") Narrative |
| [99.12](ex99-12.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.13](ex99-13.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.14](ex99-14.htm) | Clarifii Data Compare Report |
| [99.15](ex99-15.htm) | Clarifii Valuation Report |
| [99.16](ex99-16.htm) | Clayton Services LLC ("Clayton") Narrative |
| [99.17](ex99-17.htm) | Clayton Loan Grades Report |
| [99.18](ex99-18.htm) | Clayton Conditions Detail Report |
| [99.19](ex99-19.htm) | Clayton Valuations Summary Report |
| [99.20](ex99-20.htm) | Clayton Loan Level Tape Compare |
| [99.21](ex99-21.htm) | Consolidated Analytics, Inc. ("Consolidated") Narrative |
| [99.22](ex99-22.htm) | Consolidated Grading Report Summary |
| [99.23](ex99-23.htm) | Consolidated Valuations Summary Report |
| [99.24](ex99-24.htm) | Consolidated Due Diligence Standard |
| [99.25](ex99-25.htm) | Consolidated Data Compare Report |
| [99.26](ex99-26.htm) | Evolve Mortgage Services ("Evolve") Executive Summary |
| [99.27](ex99-27.htm) | Evolve Rating Agency Grades |
| [99.28](ex99-28.htm) | Evolve Exception Detail |
| [99.29](ex99-29.htm) | Evolve Valuation Report |
| [99.30](ex99-30.htm) | Evolve Data Compare |
| [99.31](ex99-31.htm) | Maxwell Diligence Solutions, LLC ("MaxDiligence") Narrative |
| [99.32](ex99-32.htm) | MaxDiligence Standard Exceptions Report |
| [99.33](ex99-33.htm) | MaxDiligence Grading Report |
| [99.34](ex99-34.htm) | MaxDiligence Valuation Report |
| [99.35](ex99-35.htm) | MaxDiligence Data Compare Report |
| [99.36](ex99-36.htm) | Opus Capital Markets Consultants, LLC ("Opus") Executive Narrative |
| [99.37](ex99-37.htm) | Opus Rating Agency Grades Summary Report |
| [99.38](ex99-38.htm) | Opus Valuation Report |
| [99.39](ex99-39.htm) | Opus Data Compare Report |
| [99.40](ex99-40.htm) | Opus Standard Findings Report |
| [99.41](ex99-41.htm) | Selene Diligence LLC ("Selene") Narrative |
| [99.42](ex99-42.htm) | Selene Rating Agency Grades Summary Report |
| [99.43](ex99-43.htm) | Selene Standard Findings Report |
| [99.44](ex99-44.htm) | Selene Valuation Report |
| [99.45](ex99-45.htm) | Selene Data Compare Report |

---

## Exhibit 99.1

**Exhibit 99.1**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services described below on conforming and non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of Lone Star Residential Acquisitions, LLC ("Client") during multiple transactions from between May 2025 to January 2026 via files imaged and provided by the Client's designee for review. The loans in the Review carried origination dates between May 2025 to December 2025. The Review included loans reviewed under the Credit and Compliance Scope (190 mortgage loans), and the Business Purpose Scope (184 loans). The mortgage loans (Credit and Compliance Scope) and the loans (Leases Limited Compliance Scope and Leases Scope) are together referred to as the Loans.

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

The initial population consisted of three hundred seventy-four (374) mortgage loans.

The final population of the Review covered three hundred seventy-four (374) mortgage loans totaling an aggregate original principal balance of approximately $204.567 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

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

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

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

---

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

---

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

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

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

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

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

**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

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origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

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

---

**DATA COLLECTION**

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

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

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

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

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

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was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(IV) Sections 1331 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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For the 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.).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically 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.

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset documentation;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed circumstance documentation;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination Agreement;

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

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

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

Includes Business Purpose Scope with additional limited compliance review below.

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

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

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

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

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

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

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

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY** 

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

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;A | &nbsp;&nbsp;149 | &nbsp;&nbsp;39.84% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;225 | &nbsp;&nbsp;60.16% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**374** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Please note that one hundred sixty-seven (167) Business Purpose with no limited compliance review were not subjected to a compliance review and did not receive a compliance grade. Of the remaining two hundred seven (207) mortgage loans, 100.00% by number received an "A" or "B" compliance grade.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of All Loans** | &nbsp;&nbsp;**% of Mortgage Review Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;139 | &nbsp;&nbsp;37.17% | &nbsp;&nbsp;67.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;68 | &nbsp;&nbsp;18.18% | &nbsp;&nbsp;32.85% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Compliance Not Run | &nbsp;&nbsp;167 | &nbsp;&nbsp;44.65% | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**374** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All three hundred seventy-four (374) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 51.07% of the mortgage loans by number received a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;191 | &nbsp;&nbsp;51.07% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;183 | &nbsp;&nbsp;48.93% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;**374** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY** 

Three hundred seventy-one (371) mortgage loans, 99.20%, reviewed by AMC have a Property Grade of "A".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;371 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.80% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**374** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***98*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**98** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;189 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;56 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Documents | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Eligibility | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***276*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**276** |
| &nbsp;&nbsp;Property |  | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property |  | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**377** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 374 mortgage loans reviewed, 356 unique mortgage loans had 1,875 different tape discrepancies across 30 data fields (some mortgage loans had more than one data delta). The largest variances were found on PITIA Reserves Months, Escrow Account and Product Description.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;55 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;318 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;374 |

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![](ex991001.jpg)

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;128 | &nbsp;&nbsp;373 | &nbsp;&nbsp;34.32% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;13 | &nbsp;&nbsp;55 | &nbsp;&nbsp;23.64% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;128 | &nbsp;&nbsp;373 | &nbsp;&nbsp;34.32% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;110 | &nbsp;&nbsp;318 | &nbsp;&nbsp;34.59% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;8 | &nbsp;&nbsp;374 | &nbsp;&nbsp;2.14% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;18 | &nbsp;&nbsp;38 | &nbsp;&nbsp;47.37% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;151 | &nbsp;&nbsp;12.58% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;296 | &nbsp;&nbsp;318 | &nbsp;&nbsp;93.08% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;14 | &nbsp;&nbsp;151 | &nbsp;&nbsp;9.27% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;2 | &nbsp;&nbsp;43 | &nbsp;&nbsp;4.65% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;66 | &nbsp;&nbsp;191 | &nbsp;&nbsp;34.55% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;96 | &nbsp;&nbsp;318 | &nbsp;&nbsp;30.19% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;27 | &nbsp;&nbsp;56 | &nbsp;&nbsp;48.21% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;373 | &nbsp;&nbsp;0.27% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;15 | &nbsp;&nbsp;373 | &nbsp;&nbsp;4.02% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;16 | &nbsp;&nbsp;373 | &nbsp;&nbsp;4.29% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;22 | &nbsp;&nbsp;373 | &nbsp;&nbsp;5.90% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;55 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;310 | &nbsp;&nbsp;318 | &nbsp;&nbsp;97.48% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;142 | &nbsp;&nbsp;318 | &nbsp;&nbsp;44.65% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;174 | &nbsp;&nbsp;318 | &nbsp;&nbsp;54.72% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;39 | &nbsp;&nbsp;374 | &nbsp;&nbsp;10.43% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;373 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;6 | &nbsp;&nbsp;176 | &nbsp;&nbsp;3.41% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;19 | &nbsp;&nbsp;373 | &nbsp;&nbsp;5.09% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;374 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;16 | &nbsp;&nbsp;374 | &nbsp;&nbsp;4.28% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;166 | &nbsp;&nbsp;182 | &nbsp;&nbsp;91.21% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;20 | &nbsp;&nbsp;374 | &nbsp;&nbsp;5.35% | &nbsp;&nbsp;374 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1875** | &nbsp;&nbsp;**8404** | &nbsp;&nbsp;**22.31%** | &nbsp;&nbsp;**374** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;373 | &nbsp;&nbsp;99.73% | &nbsp;&nbsp;$204350839.00 | &nbsp;&nbsp;99.89% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% | &nbsp;&nbsp;$216000.00 | &nbsp;&nbsp;0.11% |

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![](ex991001.jpg)

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**374** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$204566839.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;374 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$204566839.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**374** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$204566839.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.53% | &nbsp;&nbsp;$2162500.00 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;171 | &nbsp;&nbsp;45.72% | &nbsp;&nbsp;$89292515.00 | &nbsp;&nbsp;43.65% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;22 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;$14657080.00 | &nbsp;&nbsp;7.16% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;144 | &nbsp;&nbsp;38.50% | &nbsp;&nbsp;$73043469.00 | &nbsp;&nbsp;35.71% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;35 | &nbsp;&nbsp;9.36% | &nbsp;&nbsp;$25411275.00 | &nbsp;&nbsp;12.42% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**374** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$204566839.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;364 | &nbsp;&nbsp;97.33% | &nbsp;&nbsp;$197677069.00 | &nbsp;&nbsp;96.63% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.67% | &nbsp;&nbsp;$6889770.00 | &nbsp;&nbsp;3.37% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**374** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$204566839.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;208 | &nbsp;&nbsp;55.61% | &nbsp;&nbsp;$118271338.00 | &nbsp;&nbsp;57.82% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;29 | &nbsp;&nbsp;7.75% | &nbsp;&nbsp;$11323575.00 | &nbsp;&nbsp;5.54% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.07% | &nbsp;&nbsp;$1304350.00 | &nbsp;&nbsp;0.64% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;71 | &nbsp;&nbsp;18.98% | &nbsp;&nbsp;$41889023.00 | &nbsp;&nbsp;20.48% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% | &nbsp;&nbsp;$180000.00 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.21% | &nbsp;&nbsp;$5253549.00 | &nbsp;&nbsp;2.57% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;26 | &nbsp;&nbsp;6.95% | &nbsp;&nbsp;$12118404.00 | &nbsp;&nbsp;5.92% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.41% | &nbsp;&nbsp;$5257250.00 | &nbsp;&nbsp;2.57% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;14 | &nbsp;&nbsp;3.74% | &nbsp;&nbsp;$8969350.00 | &nbsp;&nbsp;4.38% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**374** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$204566839.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;125 | &nbsp;&nbsp;33.42% | &nbsp;&nbsp;$86460228.00 | &nbsp;&nbsp;42.27% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;239 | &nbsp;&nbsp;63.90% | &nbsp;&nbsp;$110493581.00 | &nbsp;&nbsp;54.01% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.67% | &nbsp;&nbsp;$7613030.00 | &nbsp;&nbsp;3.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**374** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$204566839.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.2

**Exhibit 99.2**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex99-001.jpg)

**Valuation Report**

**Run Date - 1/14/2026 12:01:23 PM** 

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Deal ID** | **Seller Loan ID** | **Mapped ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | 4350118582 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 4.40 |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 2.00 |
| XXXX | XXXX | 4350118453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 5.00 | 2.60 |
| XXXX | XXXX | 4350118595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 5.00 |
| XXXX | XXXX | 4350118591 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 1.00 |
| XXXX | XXXX | 4350118589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 2.00 |
| XXXX | XXXX | 4350118731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 1.00 |
| XXXX | XXXX | 4350118615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.90 |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.00 | 1.60 |
| XXXX | XXXX | 4350118503 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.00 | 4.20 |
| XXXX | XXXX | 4350118500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 3.70 |
| XXXX | XXXX | 4350118638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118598 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 3.10 |
| XXXX | XXXX | 4350118506 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.90 |
| XXXX | XXXX | 4350118733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 1.90 |
| XXXX | XXXX | 4350118767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118637 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 4350118635 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 2.60 |
| XXXX | XXXX | 4350118796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118511 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 4350118632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 2.60 |
| XXXX | XXXX | 4350118804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.40 |
| XXXX | XXXX | 4350118773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 1.10 |
| XXXX | XXXX | 4350118704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | 0.1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 1.40 |
| XXXX | XXXX | 4350118608 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118619 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.00 | 3.10 |
| XXXX | XXXX | 4350118599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 4350118465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.00 | 1.00 |
| XXXX | XXXX | 4350118471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118628 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.00 | 1.10 |
| XXXX | XXXX | 4350118466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 5.00 | 1.00 |
| XXXX | XXXX | 4350118668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 1.90 |
| XXXX | XXXX | 4350118612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.50 | 3.10 |
| XXXX | XXXX | 4350118603 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 5.00 | 4.20 |
| XXXX | XXXX | 4350118671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 3.50 |
| XXXX | XXXX | 4350118676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 2.80 |
| XXXX | XXXX | 4350118664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 2.00 |
| XXXX | XXXX | 4350118464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.30 |
| XXXX | XXXX | 4350118611 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.50 | 1.80 |
| XXXX | XXXX | 4350118510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 2.80 |
| XXXX | XXXX | 4350118462 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 5.00 |
| XXXX | XXXX | 4350118642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 |  |
| XXXX | XXXX | 4350118614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 5.00 |
| XXXX | XXXX | 4350118656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 5.00 |
| XXXX | XXXX | 4350118631 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 1.90 |
| XXXX | XXXX | 4350118654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 2.60 |
| XXXX | XXXX | 4350118472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118831 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 2.90 |
| XXXX | XXXX | 4350118641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 5.00 |
| XXXX | XXXX | 4350118701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 2.00 |
| XXXX | XXXX | 4350118735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.70 |
| XXXX | XXXX | 4350118810 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 3.00 |
| XXXX | XXXX | 4350118661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118507 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 1.90 |
| XXXX | XXXX | 4350118624 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.90 |
| XXXX | XXXX | 4350118622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.20 |
| XXXX | XXXX | 4350118741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 3.80 |
| XXXX | XXXX | 4350118715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.00 | 1.00 |
| XXXX | XXXX | 4350118802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.00 | 3.10 |
| XXXX | XXXX | 4350118726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.40 |
| XXXX | XXXX | 4350118750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.40 |
| XXXX | XXXX | 4350118655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 2.10 |
| XXXX | XXXX | 4350118692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 4350118678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 3.70 |
| XXXX | XXXX | 4350118765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 1.90 |
| XXXX | XXXX | 4350118623 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.70 |
| XXXX | XXXX | 4350118779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118613 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 2.50 |
| XXXX | XXXX | 4350118793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.70 |
| XXXX | XXXX | 4350118653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118523 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.50 | 3.10 |
| XXXX | XXXX | 4350118666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.40 |
| XXXX | XXXX | 4350118681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 1.00 |
| XXXX | XXXX | 4350118833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.00 | 4.30 |
| XXXX | XXXX | 4350118753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 2.60 |
| XXXX | XXXX | 4350118650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Field Review | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.50 | 3.10 |
| XXXX | XXXX | 4350118694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 1.00 |
| XXXX | XXXX | 4350118509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118625 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.00 | 1.00 |
| XXXX | XXXX | 4350118690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118829 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 5.00 | 3.10 |
| XXXX | XXXX | 4350118675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 5.00 |
| XXXX | XXXX | 4350118630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 4350118498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118497 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118504 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118579 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 2.40 |
| XXXX | XXXX | 4350118663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.00 | 3.20 |
| XXXX | XXXX | 4350118768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 2.60 |
| XXXX | XXXX | 4350118505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 1.00 |
| XXXX | XXXX | 4350118707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 5.00 |
| XXXX | XXXX | 4350118769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.00 | 1.00 |
| XXXX | XXXX | 4350118719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 2.60 |
| XXXX | XXXX | 4350118745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.00 | 1.50 |
| XXXX | XXXX | 4350118688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 4350118640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 4350118649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 5.00 | 1.50 |
| XXXX | XXXX | 4350118709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 5.00 |
| XXXX | XXXX | 4350118647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118633 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 2.50 |
| XXXX | XXXX | 4350118645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.50 |
| XXXX | XXXX | 4350118830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118643 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 1.60 |
| XXXX | XXXX | 4350118868 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.90 |
| XXXX | XXXX | 4350118747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 3.90 |
| XXXX | XXXX | 4350118794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 4350118720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 3.00 |
| XXXX | XXXX | 4350118648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.20 |
| XXXX | XXXX | 4350118721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 2.70 |
| XXXX | XXXX | 4350118639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118617 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 4.20 |
| XXXX | XXXX | 4350118610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 4350118795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 5.00 | 5.00 |
| XXXX | XXXX | 4350118470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118616 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.70 |
| XXXX | XXXX | 4350118716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 3.00 |
| XXXX | XXXX | 4350118495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.40 |
| XXXX | XXXX | 4350118672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118835 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 1.60 |
| XXXX | XXXX | 4350118494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118851 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 2.00 |
| XXXX | XXXX | 4350118729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.40 |
| XXXX | XXXX | 4350118522 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.80 |
| XXXX | XXXX | 4350118493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 2.60 |
| XXXX | XXXX | 4350118456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 3.80 |
| XXXX | XXXX | 4350118728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.70 |
| XXXX | XXXX | 4350118788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.00 | 1.30 |
| XXXX | XXXX | 4350118717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 2.40 |
| XXXX | XXXX | 4350118832 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 1.10 |
| XXXX | XXXX | 4350118812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 4350118711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 2.20 |
| XXXX | XXXX | 4350118764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.10 |
| XXXX | XXXX | 4350118714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 5.00 | 1.00 |
| XXXX | XXXX | 4350118665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.00 | 1.40 |
| XXXX | XXXX | 4350118758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 4.90 |
| XXXX | XXXX | 4350118823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.50 | 3.60 |
| XXXX | XXXX | 4350118463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Field Review | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118845 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 2.60 |
| XXXX | XXXX | 4350118659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 2.10 |
| XXXX | XXXX | 4350118679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.00 | 1.00 |
| XXXX | XXXX | 4350118818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 1.80 |
| XXXX | XXXX | 4350118512 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes |  | 1.00 |
| XXXX | XXXX | 4350118644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 1.00 |
| XXXX | XXXX | 4350118738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 1.00 |
| XXXX | XXXX | 4350118703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 2.60 |
| XXXX | XXXX | 4350118770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118850 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 5.00 |
| XXXX | XXXX | 4350118725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 1.00 |
| XXXX | XXXX | 4350118461 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118839 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 4350118755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 1.00 |
| XXXX | XXXX | 4350118621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 3.10 |
| XXXX | XXXX | 4350118724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 2.60 |
| XXXX | XXXX | 4350118740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.00 | 1.00 |
| XXXX | XXXX | 4350118458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118521 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.00 | 1.00 |
| XXXX | XXXX | 4350118474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 2.40 |
| XXXX | XXXX | 4350118723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.50 |
| XXXX | XXXX | 4350118772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 3.10 |
| XXXX | XXXX | 4350118708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 3.00 |
| XXXX | XXXX | 4350118492 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 1.00 |
| XXXX | XXXX | 4350118520 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.00 | 3.90 |
| XXXX | XXXX | 4350118867 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 5.00 |
| XXXX | XXXX | 4350118781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 1.40 |
| XXXX | XXXX | 4350118689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.00 | 2.30 |
| XXXX | XXXX | 4350118581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 4.10 |
| XXXX | XXXX | 4350118757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.30 |
| XXXX | XXXX | 4350118687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 2.60 |
| XXXX | XXXX | 4350118746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 4350118491 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.00 | 1.40 |
| XXXX | XXXX | 4350118712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 2.60 |
| XXXX | XXXX | 4350118854 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 1.20 |
| XXXX | XXXX | 4350118801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 4.50 |
| XXXX | XXXX | 4350118490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 2.60 |
| XXXX | XXXX | 4350118841 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 3.20 |
| XXXX | XXXX | 4350118848 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 2.90 |
| XXXX | XXXX | 4350118791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.50 | 3.80 |
| XXXX | XXXX | 4350118749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.30 |
| XXXX | XXXX | 4350118784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118840 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.50 | 1.00 |
| XXXX | XXXX | 4350118489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 3.80 |
| XXXX | XXXX | 4350118792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.30 |
| XXXX | XXXX | 4350118803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.00 |  |
| XXXX | XXXX | 4350118485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 5.00 | 1.70 |
| XXXX | XXXX | 4350118484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 2.60 |
| XXXX | XXXX | 4350118483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118844 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 4350118852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 2.20 |
| XXXX | XXXX | 4350118481 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 4.50 |
| XXXX | XXXX | 4350118775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118518 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 3.20 |
| XXXX | XXXX | 4350118849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 1.00 |
| XXXX | XXXX | 4350118480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118517 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 4350118785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.50 | 4.20 |
| XXXX | XXXX | 4350118853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 4.50 |
| XXXX | XXXX | 4350118798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 2.60 |
| XXXX | XXXX | 4350118827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.50 | 1.50 |
| XXXX | XXXX | 4350118479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.00 | 1.00 |
| XXXX | XXXX | 4350118797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 2.20 |
| XXXX | XXXX | 4350118478 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118476 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118516 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 2.50 |
| XXXX | XXXX | 4350118864 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 2.70 |
| XXXX | XXXX | 4350118808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118865 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.50 | 1.00 |
| XXXX | XXXX | 4350118838 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 4350118860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.50 | 3.60 |
| XXXX | XXXX | 4350118866 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 2.00 | 2.80 |
| XXXX | XXXX | 4350118856 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.00 | 1.00 |
| XXXX | XXXX | 4350118519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | 1.00 | 1.20 |
| XXXX | XXXX | 4350118858 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.00 | 1.00 |
| XXXX | XXXX | 4350118857 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | #N/A | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | 0.06 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 | 2.70 |
| XXXX | XXXX | 4350118542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 5.00 |
| XXXX | XXXX | 4350118559 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 2.80 |
| XXXX | XXXX | 4350118543 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118525 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118567 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118560 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 2.90 |
| XXXX | XXXX | 4350118566 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118577 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.80 |
| XXXX | XXXX | 4350118537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  |  |
| XXXX | XXXX | 4350118540 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |  | 1.00 |
| XXXX | XXXX | 4350118545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118547 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 3.80 |
| XXXX | XXXX | 4350118554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | 0.22 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.40 |
| XXXX | XXXX | 4350118524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 3.50 |  |
| XXXX | XXXX | 4350118553 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.40 |
| XXXX | XXXX | 4350118534 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.90 |
| XXXX | XXXX | 4350118532 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 2.60 |
| XXXX | XXXX | 4350118549 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118529 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 4.40 |
| XXXX | XXXX | 4350118527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 3.10 |
| XXXX | XXXX | 4350118551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 3.40 |
| XXXX | XXXX | 4350118548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 3.90 |
| XXXX | XXXX | 4350118555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.70 |
| XXXX | XXXX | 4350118569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 2.60 |
| XXXX | XXXX | 4350118562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118535 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118550 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118536 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 3.40 |
| XXXX | XXXX | 4350118561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.20 |
| XXXX | XXXX | 4350118574 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |
| XXXX | XXXX | 4350118576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 1.00 |
| XXXX | XXXX | 4350118573 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | 5.00 |
| XXXX | XXXX | 4350118578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | 4.50 |  |

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## Exhibit 99.3

**Exhibit 99.3**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex99-001.jpg)

**Exception Grades**

**Run Date - 1/14/2026 12:01:23 PM** 

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Deal ID** | **Seller Loan ID** | **Mapped ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | 4350118582 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient XXXX |  |  | XXXX | Reviewer Comment (2025-06-03): RCE provided. Cleared.<br>Seller Comment (2025-05-29): (Rate Lock) RCE provided<br>Reviewer Comment (2025-05-23): Exception Remains - The replacement cost states it is subject to the building limits which is XXXX. Replacement Cost Estimator required to verify the replacement of the dwelling determined by the insurer is XXXX.<br>Seller Comment (2025-05-23): (Rate Lock) RCE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118582 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXX result in additional fee tolerance violations. (Initial/XXXX) | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXX result in additional fee tolerance violations. |  |  | XXXX | Reviewer Comment (2025-05-22): Upon further review the LE was sent via fulfilment.<br>Seller Comment (2025-05-21): (Rate Lock) LE was sent via mail on XXXX to the borrower. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118582 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Use of passthrough income, a disregarded entity where the income being deposited. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>Miscellaneous | Borrower has worked in same industry more than 5 years.<br>Borrower has verified residual income (disposable income) of at least XXXX per month<br>Borrower has worked in same job more than 3 years.<br>Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Qualifying DTI less than 35%, AND at least X0% less than guideline maximum<br>FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>; Qualifying DTI less than 35%, AND at least X0% less than guideline maximum.<br>Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least XXXX pay history | XXXX | Reviewer Comment (2025-05-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118582 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide Business Purpose Certification and Guaranty Agreement signed by the borrower. \*\*\*\*\* UPDATE XXXX\*\*\*\*\* Guarantor Agreement provided. |  |  | XXXX | Reviewer Comment (2026-01-12): Business Purpose Agreement not required er Guidelines. Guaranty Agrmt provided. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard Insurance Policy expires within 30 days of the Note Date. | Hazard Insurance Policy Expiration Date XXXX, Note Date XXXX | Hazard Insurance Policy Expiration Date XXXX, Note Date XXXX |  |  | XXXX | Reviewer Comment (2025-09-29): Renewal provided.<br>Seller Comment (2025-09-25): (Rate Lock) Renewal provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Insurance Verification | Insurance document is missing. |  |  | XXXX | Reviewer Comment (2025-11-06): Document provided<br>Seller Comment (2025-11-04): (Rate Lock) A premium is not required because this is a commercial property.<br>Reviewer Comment (2025-11-03): The cert provided does not reflect a premium or coverage.<br>Seller Comment (2025-10-29): (Rate Lock) This is a commercial property therefore cert should be sufficient.<br>Reviewer Comment (2025-09-29): The insurance provided is for liability only, not property insurance. Please provide property insurance binder.<br>Seller Comment (2025-09-25): (Rate Lock) HOI provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Account Statements - Business | XXXX - Bank statement is missing for XXXX. |  |  | XXXX | Reviewer Comment (2025-10-01): cleared | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | XXXX - Bank statement is missing for XXXX. |  |  | XXXX | Reviewer Comment (2025-10-13): XXXX Stmt provided.<br>Seller Comment (2025-10-09): (Rate Lock) Please clear as statement provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of 660. | Representative FICO score of XXXX is less than Guideline representative FICO score of 660. Lender Exception provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: X2mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Combined Loan to Value: 55.6923X%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 55.6923X%<br> Guideline Maximum Loan to Value: 80.00000% | XXXX | Reviewer Comment (2025-09-29): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-09-25): (Rate Lock) Lender accepts EV2 please waive<br>Reviewer Comment (2025-09-22): Compensating Factor Categories:<br> LTV less than 70%, AND at least 5% less than guideline maximum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than 3 years; Borrower has worked in same industry more than 5 years; Other<br>Compensating Factors:<br> XXXX - borrower paying off all debt to consolidate.<br>Borrower Exception Requested:<br> XXXX exception for FICO score of XXXX vs 660 required | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | XXXX - Bank statement is missing for XXXX. |  |  | XXXX | Reviewer Comment (2025-10-13): XXXX Stmt provided.<br>Seller Comment (2025-10-09): (Rate Lock) Please clear as statement provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Guideline required income documentation and DTI discrepancy issue. |  |  | XXXX | Reviewer Comment (2025-10-01): cleared | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | XXXX - Bank statement is missing for XXXX. |  |  | XXXX | Reviewer Comment (2025-10-13): XXXX Stmt provided.<br>Seller Comment (2025-10-09): (Rate Lock) Please clear as statement provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | The only Closing Disclosure provided was the final, it was issued on same day as closing. |  |  | XXXX | Reviewer Comment (2025-09-26): SitusAMC received XXXX CD 3 business days prior to consummation.<br>Seller Comment (2025-09-25): (Rate Lock) ICD and cert provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points Fee was disclosed as XXXX on initial LE but disclosed as XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  | XXXX | Reviewer Comment (2025-10-15): SitusAMC received valid rate lock document<br>Seller Comment (2025-10-14): (Rate Lock) lock confirmation from 9.12 shows lock extension for increase in points that correlate to increase on the CD<br>Reviewer Comment (2025-09-29): Please provide evidence of the locks, the dates and the changes. The doc with XXXX at the top shows a price of XXXX and the XXXX sheet shows a price of XXXX with no hit for an extension. This does not reflect an increase in the discount to the borrower.<br>Reviewer Comment (2025-09-29): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7200)<br>Seller Comment (2025-09-26): (Rate Lock) The lock confirmation confirms the pricing changed to due to a lock extension at cost; please review<br>Reviewer Comment (2025-09-26): SitusAMC received Changed Circumstance dated XXXX, but it does not give sufficient information on why the discount fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-09-25): (Rate Lock) Lock confirmation shows lock extension and change in pricing | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee was last disclosed as XXXX on loan estimate but disclosed as XXXX on Final Closing Disclosure without a valid change of circumstance. No cure was provided to the borrower. |  |  | XXXX | Reviewer Comment (2025-09-26): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-09-25): (Rate Lock) XXXX was applied to signed cd at close | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Sufficient cure provided at closing |  |  | XXXX | Reviewer Comment (2025-10-15): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. | Borrower is receiving total cash-out of XXXX on a purchase transaction. | Borrower is receiving cash back due 1031 exchange |  |  | XXXX | Reviewer Comment (2025-11-12): Updated per final HUD<br>Seller Comment (2025-11-10): (Rate Lock) See uploaded final ledger. The excess 1031 funds were not wired to the borrower, so there was no cash-out for this transaction. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | 4350118453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final is not provided in file |  |  | XXXX | Reviewer Comment (2025-11-07): Document provided<br>Seller Comment (2025-11-05): (Rate Lock) See uploaded final application. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | 4350118592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved. Subject appears to operate similar to a XXXXrding house. Tenant is a sorority. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (2025-10-20): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: XXXX | File does not contain any documentation from lender to confirming the condo is warrantable. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (2025-10-24): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-10-24): Non-warrantable condo that doesn't meet all Guideline requirements.<br>Reviewer Comment (2025-10-22): All requirements met. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX HOA Verification | Provide HOA verification document for the property XXXX. |  |  | XXXX | Reviewer Comment (2025-12-08): Received HOA document in trailing docs.<br>Seller Comment (2025-12-05): (Rate Lock) Attached corrected 1003 and expenses for the property, its a vacant land.?<br>Reviewer Comment (2025-12-02): Final 1003 listed XXXX for monthly insurance, Taxes, association dues, etc. Please provide documentation showing what the listed amount is for.<br>Seller Comment (2025-12-02): (Rate Lock) <br> the Final 1003 from signed closing documents reflects No such expenses.<br>Reviewer Comment (2025-10-29): Require supporting document to verify remaining expenses XXXX reflecting on 1003. Exception remains<br>Seller Comment (2025-10-27): (Rate Lock) Proof no HOA provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception has been approved New Condotel that is not fully completed however subject phase 1B is complete. The project does not meet presale requirements as XXXX out of the XXXX planned units are under contract for investment homes. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (2025-10-23): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | The Earnest Money Deposit is unsourced. Please provide source documentation for the Earnest Money Deposit. | Financial Institution: Earnest Money Deposit // Account Type: Earnest Money Deposit - Unsourced / Account Number: xxxx |  |  |  | XXXX | Reviewer Comment (2025-11-17): Documents provided<br>Seller Comment (2025-11-17): (Rate Lock) EMD docs provided | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118591 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested to use lease rent of XXXX/month instead of market rent XXXX without proof of receipt of rental income at the higher amount. Lease start date is XXXX but pr LOE a verbal agreement between landlord and tenant pushing this back to XXXX. Exception approved with compensating factors: LTV less than 70%, and at least 5% less than guideline maximum and FICO higher than XXXX with at least 20 points higher than guideline minimum. | Borrower has owned the subject property for at least 5 years.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has owned the subject property for at least 5 years.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (2025-10-10): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118591 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 12.00. |  |  |  | XXXX | Reviewer Comment (2025-10-22): CD from other REO refi provided.<br>Seller Comment (2025-10-22): (Rate Lock) CD from other property was uploaded to reflect additional funds for reserves. Please review.<br>Reviewer Comment (2025-10-20): Not on Lender Exception to be downgraded and waived.<br>Reviewer Comment (2025-10-10): There is an Escrow Waiver on the file which requires 12 months of reserves..<br>Reviewer Comment (2025-10-10): Not on Lender Exception to be downgraded and waived. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118591 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Signature Requirements not met. The following legal documents must be executed by all borrowers as individuals and all trustees of the Trust; Note, Note Addendum, Security Instrument and Riders, Inter Vivos Revocable Trust Rider, Borrower's Acknowledgement, Closing Disclosure, Notice of Right to Cancel (if applicable). | Borrower has owned the subject property for at least 5 years.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has owned the subject property for at least 5 years.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (2025-12-01): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-10-23): Please provide exception requirements or lender Exception with a Guarantor Agreement. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to proceed with contract for deed with VOM and full 12 month history. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Qualifying DSCR higher than XXXXx, AND at least 0.1x higher than guideline minimum.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (2025-09-17): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. | 1003 indicates XXXX in assets from a secured loan, however, evidence of funds are missing from file. |  |  | XXXX | Reviewer Comment (2025-09-24): statement provided<br>Seller Comment (2025-09-22): (Rate Lock) This is part of the XXXX bank statement; provided payoff to show the current balance to verify the amount available. XXXX credit line minus balance verified of just under XXXX leaves XXXX available | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  | XXXX | Reviewer Comment (2025-09-18): Received Note Addendum - Prepayment. Exception Cleared.<br>Seller Comment (2025-09-18): (Rate Lock) Addendum provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | Yes |
| XXXX | XXXX | 4350118589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide the credit report dated XXXX to have credit scores updated. |  |  | XXXX | Reviewer Comment (2025-12-17): XXXX credit report provided.<br>Reviewer Comment (2025-12-03): credit report dated XXXX doesn't disclose score | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address:XXXX HOA Verification | HOA verification was missing for the property address XXXX |  |  | XXXX | Reviewer Comment (2025-09-30): provided<br>Seller Comment (2025-09-26): (Rate Lock) HOA provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | HOA documentation missing for XXXX. |  |  | XXXX | Reviewer Comment (2025-09-30): provided<br>Seller Comment (2025-09-26): (Rate Lock) HOA provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (XXXX): Mandatory escrow account not established on 1st lien mortgage loan. | High Priced Findings require an escrow account for taxes and insurance. |  |  | XXXX | Reviewer Comment (2025-11-28): Documents support initial rate set on XXXX which brings APOR+margin under threshold for HPML determination.<br>Seller Comment (2025-11-26): (Rate Lock) attestation provided<br>Reviewer Comment (2025-11-13): Can you please provide an attestation indicating there was a Rate Reset and the pricing changed with no effect on the actual rate.<br>Seller Comment (2025-11-04): (Rate Lock) While the rate did not change on XXXX, the pricing was updated.? The rate set date is not only adjusted when the rate is changed but "reset" and the pricing of a particular rate is a resetting of the rate, as defined in HMDA and Reg Z. Please provide the rule that applies the rate set date to only changing the Note rate.<br>Reviewer Comment (2025-10-27): The rate was set on XXXX. While it was relocked on XXXX, the rate did not change and therefore for purposes of setting our "last date rate set", we would look to the XXXX date. This uses an APOR of XXXX% + 1.5% margin yields an HPML threshold of XXXX%. Because the loan's APR of XXXX% exceeds this threshold, it is considered a higher-priced mortgage loan.<br>Seller Comment (2025-10-23): (Rate Lock) Loan is not HPML and last lock confirmation provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Loan considered to be "non-compliant" due to lack of explicit documentation to evidence delivery of the appraisal to the borrower. |  |  | XXXX | Reviewer Comment (2025-11-28): Documents support initial rate set on XXXX which brings APOR+margin under threshold for HPML determination.<br>Seller Comment (2025-11-26): (Rate Lock) attestation provided<br>Reviewer Comment (2025-11-13): Can you please provide an attestation indicating there was a Rate Reset and the pricing changed with no effect on the actual rate.<br>Seller Comment (2025-11-04): (Rate Lock) While the rate did not change on 10/4, the pricing was updated.? The rate set date is not only adjusted when the rate is changed but "reset" and the pricing of a particular rate is a resetting of the rate, as defined in HMDA and Reg Z. Please provide the rule that applies the rate set date to only changing the Note rate.<br>Reviewer Comment (2025-10-27): The rate was set on XXXX. While it was relocked on 10/4, the rate did not change and therefore for purposes of setting our "last date rate set", we would look to the XXXX date. This uses an APOR of XXXX% + XXXX% margin yields an HPML threshold of XXXX%. Because the loan's APR of XXXX% exceeds this threshold, it is considered a higher-priced mortgage loan.<br>Seller Comment (2025-10-23): (Rate Lock) Loan is not HPML and last lock confirmation provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception: Approved Lender Exception - Borrower has worked for the family business since XXXX. Recently gained ownership interest in XXXX - Guidelines require a minimum 1 year of self-employment. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (2025-10-27): Lender Exception with Compensating Factors provided.<br>Seller Comment (2025-10-23): (Rate Lock) Please waive<br>Reviewer Comment (2025-10-16): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Gift Funds reflected on the CD, however supporting documentation was not found in file. | Date Issued: XXXX | Missing gift of equity letter. |  |  | XXXX | Reviewer Comment (2025-11-06): Document Provided.<br>Seller Comment (2025-11-04): (Rate Lock) Letter provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing gift of equity letter. Gift of equity not reflected on purchase agreement. |  |  | XXXX | Reviewer Comment (2025-11-06): Document Provided.<br>Seller Comment (2025-11-04): (Rate Lock) Letter provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. CU and LCA results are contradictory. AVM does not support the value used to qualify. Vendor/FSD do not meet Fitch criteria. Sec ID: 131 | Note Date: XXXX; Lien Position: 1 |  |  |  | XXXX | Reviewer Comment (2025-12-01): Received post close CDA with lender exception to use the post close CDA .<br>Reviewer Comment (2025-11-21): Post close field review provided in trailing docs. Exception remains. | XXXX | XXXX | XXXX | 1 A C | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception to use post-close CDA. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-01): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Appraisal report dated XXXX is missing evidence of receipt. |  |  | XXXX | Reviewer Comment (2025-11-28): appraisal submission was provided<br>Seller Comment (2025-11-26): (Rate Lock) proof borrowwer recevied appraisal prior to close<br>Seller Comment (2025-11-26): (Rate Lock) Lender accepts Ev2 | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:XXXX/XXXX) | Appraisal report dated XXXX is missing evidence of receipt. |  |  | XXXX | Reviewer Comment (2025-11-28): appraisal submission was provided<br>Seller Comment (2025-11-26): (Rate Lock) proof borrowwer recevied appraisal prior to close<br>Seller Comment (2025-11-26): (Rate Lock) Lender accepts Ev2 | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. |  |  | XXXX | Reviewer Comment (2025-11-28): appraisal submission was provided<br>Seller Comment (2025-11-26): (Rate Lock) proof borrowwer recevied appraisal prior to close | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Appraisal report dated XXXX is missing evidence of receipt. |  |  | XXXX | Reviewer Comment (2025-11-28): appraisal submission was provided<br>Seller Comment (2025-11-26): (Rate Lock) proof borrowwer recevied appraisal prior to close | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:XXXX/XXXX) | Appraisal report dated XXXX is missing evidence of receipt. |  |  | XXXX | Reviewer Comment (2025-11-28): appraisal submission was provided<br>Seller Comment (2025-11-26): (Rate Lock) proof borrowwer recevied appraisal prior to close | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | XXXX CD missing from the loan file. Please provide the 10/16 CD and any other issued for the transaction. |  |  | XXXX | Reviewer Comment (2025-12-01): SitusAMC received CD dated XXXX<br>Reviewer Comment (2025-11-28): SitusAMC received disclosures summary for appraisal report. As per file the initial CD is missing in file. Please provide CD that was received to borrower prior to 3 business days from the date of consummation.<br>Seller Comment (2025-11-26): (Rate Lock) ICD provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX% exceeds Guideline loan to value percentage of 70.00000%. | LTV of 80% exceeds max of 70% for a rural property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 24mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>DTI: 29.87977% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (2025-11-20): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX% exceeds Guideline combined loan to value percentage of 70.00000%. | LTV of 80% exceeds max of 70% for a rural property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 24mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>DTI: 29.87977% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (2025-11-20): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/XXXX) | Revised Loan Estimate provided on XXXX or after the date the Closing Disclosure was provided |  |  | XXXX | Reviewer Comment (2025-12-08): SitusAMC received attestation and as per disclosures summary in file LE dated XXXX was not provided to the borrower.<br>Seller Comment (2025-12-05): (Rate Lock) LOE provided<br>Reviewer Comment (2025-12-02): There's a LE in file dated XXXX in file. Exception remains.<br>Seller Comment (2025-12-02): (Rate Lock) Revised LE Cert shows it was viewed XXXX. No other LE was sent after the ICD therefore the file is TRID compliant | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | (XXXX(a)(6)) XXXX Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | XXXX Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  | XXXX | Reviewer Comment (2025-11-12): Updated documents provided. | XXXX | XXXX | XXXX | 1 C A D | XXXX | XXXX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder XXXX either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $XXXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | (XXXX(a)(6)) XXXX Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) | XXXX Constitution Section 50(a)(6): Unable to test refinance within twelve (12) month period due to missing documentation. | Unable to test refinance within twelve (12) month period due to missing documentation. |  |  | XXXX | Reviewer Comment (2025-11-03): Lender accept EV2 grade.<br>Seller Comment (2025-11-03): (Rate Lock) Please clear<br>Reviewer Comment (2025-10-31): Client accepts.<br>Seller Comment (2025-10-29): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - XXXX 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are overdisclosed. (Final/XXXX) | Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are overdisclosed. Page 1 reflected the loan would not have an escrow account, yet page 4 had the box selected that there would be an escrow account. |  |  | XXXX | Reviewer Comment (2025-11-12): Correct document provided.<br>Reviewer Comment (2025-10-27): Estimated Escrow and MI on page 1 of the CD is XXXX and the Escrowed Property Costs over Year 1 is blank. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - XXXX 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are underdisclosed. (Final/XXXX) | Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are underdisclosed. Page 1 reflected the loan would not have an escrow account, yet page 4 had the box selected that there would be an escrow account. |  |  | XXXX | Reviewer Comment (2025-11-12): Correct document provided.<br>Reviewer Comment (2025-10-27): Estimated Escrow and MI on page 1 of the CD is XXXX and estimated Property Costs over Year 1 is blank. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. Page 1 reflected the loan would not have an escrow account, yet page 4 had the box selected that there would be an escrow account. |  |  | XXXX | Reviewer Comment (2025-11-12): Correct document provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. Page 1 reflected the loan would not have an escrow account, yet page 4 had the box selected that there would be an escrow account. |  |  | XXXX | Reviewer Comment (2025-11-12): Correct document provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. |  |  | XXXX | Reviewer Comment (2026-01-07): SitusAMC received valid changed circumstance<br>Reviewer Comment (2025-12-18): SitusAMC received Changed Circumstance on rate extension fee for discount fee increase. COC doc ID 0657 reflects a change date of XXXX increasing discount from XXXX to 1.635, however, previously received COC doc ID 0653 that has a change date of XXXX also stating increase discount fee from XXXX to 1.635 for rate extension fee. Appears to be same change but different dates. Missing supporting documentation, due to this discrepancy of documents in file, to confirm the change date for the rate extension. Only Rate Confirmation, Doc ID 0454 reflects 8 day extension with a date of XXXX. Please provide supporting documentation for the XXXX fee increase.<br>Reviewer Comment (2025-12-01): Change in discount point fees occurred on XXXX, however, the Change of circumstance provided is dated XXXX which is more than 3 days after the change happened. Please provide a COC dated within 3 days of the change.<br>Reviewer Comment (2025-11-21): Change of circumstance provided is not a valid reason for the Loan Discount Fee to be XXXX over tolerance. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. |  |  | XXXX | Reviewer Comment (2025-11-17): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-11-10): SitusAMC received rebuttal comment. However, we also required proof of mailing label with tracking number or provided confirmation on email from borrower that they received copy of check in order to cure this exception.<br>Seller Comment (2025-11-06): (Rate Lock) Docs were mailed out XXXX<br>Reviewer Comment (2025-11-03): SitusAMC Received Corrected PCCD, LOE, Refund Check and USPS document; however, kindly confirm the date when cure docs were placed on mail. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. |  |  | XXXX | Reviewer Comment (2025-11-03): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-03): (Rate Lock) This is reflected on the final CD page 2 section J | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. | Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. |  |  | XXXX | Reviewer Comment (2025-11-12): Correct document provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | XXXX | Reviewer Comment (2025-11-12): Correct document provided.<br>Seller Comment (2025-11-10): (Rate Lock) Cls docs had to be resigned - here are the original cls docs to evidence they were signed on the correct dates | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) | The file is missing evidence of receipt by the borrower. |  |  | XXXX | Reviewer Comment (2025-11-03): Lender accept EV2 grade.<br>Seller Comment (2025-11-03): (Rate Lock) Please clear<br>Reviewer Comment (2025-10-31): Client accepts.<br>Seller Comment (2025-10-29): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Lender exception for rural property with over 10 acres. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (2025-10-27): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - XXXX 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are overdisclosed. (Final/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-11-18): Corrected CD cured prior to reporting. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - XXXX 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are underdisclosed. (Final/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-11-18): Corrected CD cured prior to reporting. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Page 4 of the XXXX XXXX reflects there will be an escrow account, however there is not. |  |  | XXXX | Reviewer Comment (2025-11-18): Corrected CD cured prior to reporting. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Page 4 of the XXXX XXXX reflects there will be an escrow account, however there is not. |  |  | XXXX | Reviewer Comment (2025-11-18): Corrected CD cured prior to reporting. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower. (XXXX) | Sufficient cure at closing |  |  | XXXX | Reviewer Comment (2026-01-07): Sufficient Cure Provided within 60 Days of Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower. (XXXX) | Sufficient cure at closing |  |  | XXXX | Reviewer Comment (2026-01-07): Sufficient Cure Provided within 60 Days of Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118503 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's is not provided. |  |  | XXXX | Reviewer Comment (2025-12-01): Client elects to waive.<br>Seller Comment (2025-11-28): Please waive EV 2 and complete. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118503 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Required FICO score for cash-out refinance not met. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reserves: XXXX<br> Guideline Requirement: 3.00 | XXXX | Reviewer Comment (2025-11-21): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) | Verification of appraisal was delivered to borrower not provided in file. |  |  | XXXX | Reviewer Comment (2025-11-26): Received appraisal receipt in trailing docs. | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXX) | Verification of appraisal was delivered to borrower not provided in file. |  |  | XXXX | Reviewer Comment (2025-11-26): Received appraisal receipt in trailing docs. | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Appraisal | Appraisal Reconciliation | Appraisal | Missing secondary valuation viaDesk Review, Field Review, or 2nd URAR, as required by client. |  | The file is missing a copy of the secondary valuation required for securitization purposes. UCDP score is higher than 2.5. |  |  | XXXX | Reviewer Comment (2025-11-26): Received CDA in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | A cash flow analysis is required to confirm the withdrawal of the funds will not negatively impact the business |  |  | XXXX | Reviewer Comment (2025-11-26): Received cash flow analysis in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to missing cash flow analysis required for the use of business funds. |  |  | XXXX | Reviewer Comment (2025-11-26): Received cash flow analysis in trailing docs. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to missing cash flow analysis required for the use of business funds. |  |  | XXXX | Reviewer Comment (2025-11-26): Received cash flow analysis in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Loan designation failure due to missing cash flow analysis required for the use of business funds. |  |  | XXXX | Reviewer Comment (2025-11-26): Received cash flow analysis in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide corrected 1003. Page 1 indicates the borrower owns, yet the 5th page states they have not owned a property in the last 3 years. |  |  | XXXX | Reviewer Comment (2025-12-04): Updated 1003 was provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-10-14): Client accepts EV2 and elects to Waive.<br>Seller Comment (2025-10-14): (Rate Lock) Accept EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus 10% or XXXX. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  | XXXX | Reviewer Comment (2025-10-10): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 49.43408% exceeds Guideline total debt ratio of 43.00000%. | Additional deposits omitted from income bank account XXXX. The Speech Pathologist income for Borrower 2 was deposited into the bank account used by Borrower 1 for income. This income was already included for Borrower 2 on the 1099. Omission of deposit results in a lower income for Borrower 1 and an increased DTI. |  |  | XXXX | Reviewer Comment (2025-12-02): Received borrower's full housing history in trailing docs. Guidelines DTI changed to 50% maximum.<br>Reviewer Comment (2025-11-18): 1099 uploaded has been factored in. DTI still remains at 49.43% which exceeds the guideline maximum of 43%.<br>Reviewer Comment (2025-11-14): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 48.28954% exceeds Guideline total debt ratio of 43.00000%.<br>Seller Comment (2025-11-13): (Rate Lock) Updated 1099 income w/10% expense factor, updated file (income worksheet in XXXX)<br>Reviewer Comment (2025-10-27): Please clarify what the Lender Exception is for. Exception reason says income documentation or calculation does not meet Guidelines requirement, but the Guidelines. This cannot be waived as it is affects ATR. The Guidelines state the DTI must be 43% due to housing history. Housing history or DTI can be waived, but not removing B2 income from B1.<br>Seller Comment (2025-10-27): (Rate Lock) Approved exception provided<br>Reviewer Comment (2025-10-14): A current mortgage/rental history is required. The credit report stops reporting in XXXX due to the sale of the borrower's prior residence. Provide updated 1003 and housing payment history for XXXX. Without 12 month payment history through the month prior to closing, which is XXXX, max DTI is 43%.<br>Seller Comment (2025-10-14): (Rate Lock) 43% is not the max allowable DTI | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Additional deposits omitted from income bank account XXXX. The XXXX income for Borrower 2 was deposited into the bank account used by Borrower 1 for income. This income was already included for Borrower 2 on the 1099. Omission of deposit results in a lower income for Borrower 1 and an increased DTI. |  |  | XXXX | Reviewer Comment (2025-12-02): Received borrower's full housing history in trailing docs. Guidelines DTI changed to 50% maximum.<br>Reviewer Comment (2025-11-18): 1099 uploaded has been factored in. DTI still remains at 49.43% which exceeds the guideline maximum of 43%.<br>Seller Comment (2025-11-13): (Rate Lock) Updated 1099 income w/10% expense factor, updated file (income worksheet in XXXX)<br>Reviewer Comment (2025-10-27): Please clarify what the Lender Exception is for. Exception reason says income documentation or calculation does not meet Guidelines requirement, but the Guidelines. This cannot be waived as it is affects ATR. The Guidelines state the DTI must be 43% due to housing history. Housing history or DTI can be waived, but not removing B2 income from B1.<br>Seller Comment (2025-10-27): (Rate Lock) Approved exception provided<br>Reviewer Comment (2025-10-14): A current mortgage/rental history is required. The credit report stops reporting in XXXX due to the sale of the borrower's prior residence. Provide updated 1003 and housing payment history for XXXX. Without 12 month payment history through the month prior to closing, which is XXXX, max DTI is 43%.<br>Seller Comment (2025-10-14): (Rate Lock) 43% is not the max allowable DTI | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Additional deposits omitted from income bank account XXXX. The XXXX income for Borrower 2 was deposited into the bank account used by Borrower 1 for income. This income was already included for Borrower 2 on the 1099. Omission of deposit results in a lower income for Borrower 1 and an increased DTI. |  |  | XXXX | Reviewer Comment (2025-12-02): Received borrower's full housing history in trailing docs. Guidelines DTI changed to 50% maximum.<br>Reviewer Comment (2025-11-19): Guidelines state that borrowers who do not have a complete 12-month current housing history are subject to 43% DTI restriction. Credit report stopped reporting the mortgage history in XXXX due to the sale of the borrower's prior residence. Please provide an updated 1003 and housing payment for XXXX.<br>Seller Comment (2025-11-18): (Rate Lock) We do not have a guideline max of 43% please advise where this is coming from<br>Reviewer Comment (2025-11-18): 1099 uploaded has been factored in. DTI still remains at 49.43% which exceeds the guideline maximum of 43%.<br>Seller Comment (2025-11-17): (Rate Lock) additionally this is not capped to 43% in our guidelines<br>Seller Comment (2025-11-13): (Rate Lock) Updated 1099 income w/10% expense factor, updated file (income worksheet in XXXX)<br>Reviewer Comment (2025-10-27): Please clarify what the Lender Exception is for. Exception reason says income documentation or calculation does not meet Guidelines requirement, but the Guidelines. This cannot be waived as it is affects ATR. The Guidelines state the DTI must be 43% due to housing history. Housing history or DTI can be waived, but not removing B2 income from B1.<br>Seller Comment (2025-10-27): (Rate Lock) Approved exception provided<br>Reviewer Comment (2025-10-22): Exception request not clear. Is it for the DTI, the missing housing statements to increase DTI, the income calculation. Please clarify.<br>Reviewer Comment (2025-10-14): A current mortgage/rental history is required. The credit report stops reporting in 6/2025 due to the sale of the borrower's prior residence. Provide updated 1003 and housing payment history for XXXX, XXXX, and XXXX 2025. Without 12 month payment history through the month prior to closing, which is XXXX, max DTI is 43%.<br>Seller Comment (2025-10-14): (Rate Lock) 43% is not the max allowable DTI | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (XXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 49.43408% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Additional deposits omitted from income bank account XXXX. The XXXX income for Borrower 2 was deposited into the bank account used by Borrower 1 for income. This income was already included for Borrower 2 on the 1099. Omission of deposit results in a lower income for Borrower 1 and an increased DTI. |  |  | XXXX | Reviewer Comment (2025-12-02): Received borrower's full housing history in trailing docs. Guidelines DTI changed to 50% maximum.<br>Reviewer Comment (2025-11-19): Guidelines state that borrowers who do not have a complete 12-month current housing history are subject to 43% DTI restriction. Credit report stopped reporting the mortgage history in 06/2025 due to the sale of the borrower's prior residence. Please provide an updated 1003 and housing payment for XXXX through XXXX.<br>Seller Comment (2025-11-18): (Rate Lock) We do not have a guideline max of 43% please advise where this is coming from<br>Reviewer Comment (2025-11-18): 1099 uploaded has been factored in. DTI still remains at 49.43% which exceeds the guideline maximum of 43%.<br>Reviewer Comment (2025-11-18): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: Ability to Repay (XXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 48.28954% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br>Seller Comment (2025-11-17): (Rate Lock) additionally this is not capped to 43% in our guidelines<br>Seller Comment (2025-11-13): (Rate Lock) Updated 1099 income w/10% expense factor, updated file (income worksheet in XXXX)<br>Reviewer Comment (2025-10-27): Please clarify what the Lender Exception is for. Exception reason says income documentation or calculation does not meet Guidelines requirement, but the Guidelines. This cannot be waived as it is affects ATR. The Guidelines state the DTI must be 43% due to housing history. Housing history or DTI can be waived, but not removing B2 income from B1.<br>Seller Comment (2025-10-27): (Rate Lock) Approved exception provided<br>Reviewer Comment (2025-10-14): A current mortgage/rental history is required. The credit report stops reporting in 6/2025 due to the sale of the borrower's prior residence. Provide updated 1003 and housing payment history for XXXX, XXXX, and XXXX 2025. Without 12 month payment history through the month prior to closing, which is XXXX, max DTI is 43%.<br>Seller Comment (2025-10-14): (Rate Lock) 43% is not the max allowable DTI | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118598 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (2025-12-02): Client elected to waive with compensating factors.<br>Seller Comment (2025-11-20): (Rate Lock) Additional reserve provided to suffice as CF<br>Reviewer Comment (2025-11-14): Excess reserves available are not sufficient to be used as a comp factor. It has to be at least 4 months above the required. This loan currently has 8 months and 6 months is required.<br>Seller Comment (2025-11-13): (Rate Lock) exception with CFs provided<br>Reviewer Comment (2025-11-07): Please provide additional Compensating Factors as there are 3 exceptions and only 1 Comp Factor. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118598 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  |  |  |  | XXXX | Reviewer Comment (2025-11-13): Doc provided in trailing docs.<br>Seller Comment (2025-11-12): (Rate Lock) Doc provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118598 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (2025-11-06): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118598 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 70.00000% exceeds Guideline combined loan to value percentage of 65.00000%. |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (2025-11-06): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118598 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Seven months average rental income used to qualify when 12 month average was required. | The representative FICO score exceeds the guideline minimum by at least 40 points. | The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (2025-12-02): Client elected to waive with compensating factors.<br>Seller Comment (2025-11-20): (Rate Lock) Additional reserve provided to suffice as CF<br>Reviewer Comment (2025-11-14): Excess reserves available are not sufficient to be used as a comp factor. It has to be at least 4 months above the required. This loan currently has 8 months and 6 months is required.<br>Seller Comment (2025-11-13): (Rate Lock) exception with CFs provided<br>Reviewer Comment (2025-11-07): Please provide additional Compensating Factors as there are 3 exceptions and only 1 Comp Factor. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118506 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower had property taxes that were more than 60 days delinquent but the taxes are now paid. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reserves: XXXX<br> Guideline Requirement: 3.00<br>DTI: 15.44292% <br> Guideline Maximum DTI: 43.00000% | XXXX | Reviewer Comment (2025-11-26): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Statements - Business, Third Party Verification | Bank Statements are missing in the file XXXX,XXXX and XXXX. Please provide Third Party Verification of employment. |  |  | XXXX | Reviewer Comment (2025-12-10): Received relevant docs in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Bank Statements are missing in the file XXXX,XXXX and XXXX |  |  | XXXX | Reviewer Comment (2025-12-10): Received relevant docs in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception given for Non warrantable condo request exception | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 25.74476% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-04): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  | XXXX | Reviewer Comment (2025-12-10): Received relevant docs in trailing docs. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (XXXX): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  | XXXX | Reviewer Comment (2025-12-19): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-17): (Rate Lock) Please waive<br>Reviewer Comment (2025-12-10): Client elects to waive.<br>Seller Comment (2025-12-08): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. | Loan was disbursed prior to midnight of third business day after consummation. Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  | XXXX | Reviewer Comment (2025-12-24): Closing statement showing disbursement provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Bank Statements are missing in the file XXXX,XXXX and XXXX. Please provide Third Party Verification of employment. |  |  | XXXX | Reviewer Comment (2025-12-10): Received relevant docs in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits was last disclosed as $XXXX on LE but disclosed as XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  | XXXX | Reviewer Comment (2025-12-09): Situsamc Received Valid COC dated 11/13 along with CD. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-10): Client elects to waive.<br>Seller Comment (2025-12-08): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Bank Statements are missing in the file XXXX,XXXX and XXXX |  |  | XXXX | Reviewer Comment (2025-12-10): Received relevant docs in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Bank Statements are missing in the file XXXX,XXXX and XXXX. Please provide Third Party Verification of employment. |  |  | XXXX | Reviewer Comment (2025-12-10): Received relevant docs in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to obtain a 1004D to document the water intrusion in the basement has been remedied. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has owned the subject property for at least 5 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-12): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118637 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) | Evidence of appraisal receipt not provided. |  |  | XXXX | Reviewer Comment (2025-11-24): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-11-23): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the Commitment in file. |  |  |  | XXXX | Reviewer Comment (2025-12-04): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-04): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXX) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXX) |  |  | XXXX | Reviewer Comment (2025-12-07): SitusAMC received 10/22 CD received 3 business days prior to consummation. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $-38.00. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits was last disclosed as $XXXX on LE but disclosed as XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  | XXXX | Reviewer Comment (2025-12-07): Situsamc Received CD dated 10/29 along with rate lock and Valid COC. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Loan Discount Points was not disclosed on the XXXX LE but disclosed as XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  | XXXX | Reviewer Comment (2025-12-07): Situsamc Received CD dated 10/29 along with rate lock and Valid COC. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118635 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | No valid change of circumstance was evident and no tolerance cure was noted |  |  | XXXX | Reviewer Comment (2025-12-02): COC was provided<br>Seller Comment (2025-12-02): (Rate Lock) CIC provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118635 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The YTD earnings from the total check stubs or the sum of the deposits from the bank statements must be within 10% or greater than the prior year earnings. YTD totals XXXX per month for both XXXX and XXXX, while previous two year average is XXXX using required 10% expense factor. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Borrower has worked in the same position for more than 3 years.<br>Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-11-28): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.78 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>Miscellaneous | Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: XXXX<br>Housing history of 0x30x24 or better. | XXXX | Reviewer Comment (2025-12-23): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118511 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note - Subject Lien is not provided. |  |  | XXXX | Reviewer Comment (2025-12-05): Received Note in trailing docs.<br>Seller Comment (2025-12-03): See attached note | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118511 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  |  | XXXX | Reviewer Comment (2025-12-05): Received Escrow Document in trailing docs.<br>Seller Comment (2025-12-03): See attached IEAD | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118511 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement of XXXX does not match charges of XXXX on the Final Closing Disclosure. |  |  | XXXX | Reviewer Comment (2025-12-10): Client elects to waive<br>Seller Comment (2025-12-08): Please waive and clear. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | CPA/ Third party verification is dated after closing. |  |  | XXXX | Reviewer Comment (2025-11-28): Provided third party verification in traili9ng docs. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (XXXX): Unable to verify current employment status using reasonably reliable third-party records. (XXXX,XXXX/Bank Statements) | CPA/ Third party verification is dated after closing. |  |  | XXXX | Reviewer Comment (2025-11-28): Provided third party verification in traili9ng docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX): General Ability-to-Repay requirements not satisfied. | CPA/ Third party verification is dated after closing. |  |  | XXXX | Reviewer Comment (2025-11-28): Provided third party verification in traili9ng docs. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Final Closing Disclosure provided on XXXX did not indicate reason why an escrow account is being waived. |  |  | XXXX | Reviewer Comment (2025-12-04): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) |  |  | XXXX | Reviewer Comment (2025-11-18): client elected to waive<br>Seller Comment (2025-11-18): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Corrected Closing Disclosure provided on or after XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  | XXXX | Reviewer Comment (2025-12-05): SitusAMC received LOA<br>Reviewer Comment (2025-12-04): SitusAMC received lender attestation that the only CD dated XXXX sent to borrower was signed at closing & no other CDs were sent to the borrower with that date. However, this attestation does not speak to the issue related to this file documentation. Please see Doc ID 324 & 369, these do not have an issue date and have blank Loan Calculations on page 5. Please provide a written lender attestation that speaks specifically to these CD's if they were not disclosed to the borrower, indicating the CD's with missing issue dates & blank page 5 Loan Calculations.<br>Reviewer Comment (2025-11-24): Per TRID Grid 4.0, Additional Considerations Row 3, The TPR firm can exclude an LE or CD from consideration if it was not provided to the consumer. Acceptable documentation is a lender attestation that it was not provided to the consumer. (This is only applicable if the document is not acknowledged by the consumer.) Attestation should be in a separate document that can be included in the loan file. Documents 324 and 369 with a cash to close amount of 131,823.07 and XXXX respectively are incomplete on page 5. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject has a private road maintenance agreement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (2025-11-17): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  | XXXX | Reviewer Comment (2025-11-11): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. |  | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-10): Lender exception with compensating factors.<br>Seller Comment (2025-12-08): (Rate Lock) Exception provided<br>Reviewer Comment (2025-11-18): Loan file is missing documentation showing the source of funds of the Gift letter and EMD. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing verification gift funds were transferred at closing, excessive DTI and verification borrower has been self employed for 2 years. |  |  | XXXX | Reviewer Comment (2025-12-10): Received article of formation and lender exception in trailing docs.<br>Seller Comment (2025-12-09): (Rate Lock) Proof XXXX was opened XXXX and was still in business through XXXX which is XXXX+ years<br>Reviewer Comment (2025-12-02): XXXX reports on the credit report through XXXX. There is no evidence the business was open after XXXX through to XXXX. Two-year history required and the start and end date for XXXX is not provided to clearly identify it was open and active after XXXX. The borrowers address change from XXXX ending XXXX is shown, but there is no more recent evidence for XXXX. If the business followed the borrower from XXXX to XXXX, it is not evident. Additional verification required to fill the gaps.<br>Seller Comment (2025-12-02): (Rate Lock) credit report is a valid 3rd party source to determine self employment.<br>Reviewer Comment (2025-11-21): Please provide an alternative document to verify borrower's employment start date at XXXX. Credit report cannot be relied upon to verify borrower's employment.<br>Seller Comment (2025-11-19): (Rate Lock) DIT is not excessive at 47%. Per credit report, borrower has been S/E at XXXX since XXXX and is sufficient as 3rd part verification. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing verification gift funds were transferred at closing, excessive DTI and verification borrower has been self employed for XXXX years. |  |  | XXXX | Reviewer Comment (2025-12-10): Received article of formation and lender exception in trailing docs.<br>Seller Comment (2025-12-09): (Rate Lock) Proof XXXX was opened XXXX and was still in business through XXXX which is XXXX+ years<br>Reviewer Comment (2025-12-02): XXXX reports on the credit report through XXXX. There is no evidence the business was open after XXXX through to XXXX. Two-year history required and the start and end date for XXXX is not provided to clearly identify it was open and active after XXXX. The borrowers address change from XXXX ending XXXX is shown, but there is no more recent evidence for XXXX. If the business followed the borrower from XXXX to XXXX, it is not evident. Additional verification required to fill the gaps.<br>Seller Comment (2025-12-02): (Rate Lock) credit report is a valid 3rd party source to determine self employment.<br>Reviewer Comment (2025-11-19): No documentation that gift funds were transferred at closing, DTI exceeds allowable, and there is no evidence of when XXXX opened or closed and how long the borrower owned it to complete the 2 year self employment requirement.<br>Seller Comment (2025-11-19): (Rate Lock) DIT is not excessive at 47%. Per credit report, borrower has been S/E at XXXX since XXXX and is sufficient as 3rd part verification. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of 43.00000%. | Maximum DTI for a borrower with no housing payment history is 43%. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-10): Lender exception with compensating factors.<br>Seller Comment (2025-12-08): (Rate Lock) Exception provided<br>Reviewer Comment (2025-11-20): Max DTI with no housing is 43%.<br>Reviewer Comment (2025-11-18): 55% max DTI allowed | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (XXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXX% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Maximum DTI for a borrower with no housing payment history is 43%. |  |  | XXXX | Reviewer Comment (2025-12-10): Received article of formation and lender exception in trailing docs.<br>Seller Comment (2025-12-08): (Rate Lock) Exception provided<br>Reviewer Comment (2025-11-19): Maximum for person with no housing history is 43%. Exception reopened.<br>Reviewer Comment (2025-11-18): Max DTI 55 allowed | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Employment Error: Employment years in field not provided. | Borrower: XXXX // Employment Type: Employment / Income Type: Bank Statements / Start Date: | Missing third party verification of start and end date for the borrower's prior employment to verify 2 years self employment. |  |  | XXXX | Reviewer Comment (2025-12-10): Received article of formation in trailing docs.<br>Seller Comment (2025-12-09): (Rate Lock) Proof XXXX was opened XXXX and was still in business through XXXX which is XXXX+ years | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | Missing third party verification of start and end date for the borrower's prior employment to verify 2 years self employment. |  |  | XXXX | Reviewer Comment (2025-12-10): Received article of formation in trailing docs.<br>Seller Comment (2025-12-09): (Rate Lock) Proof XXXX was opened XXXX and was still in business through XXXX which is XXXX+ years | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved. Requesting exception for 80% LTV on a rural purchase-max. Borrower is a first-time investor living rent-free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-22): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio of XXXX does not meet Guideline Debt Service Coverage Ratio1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-02): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final is not provided. |  |  | XXXX | Reviewer Comment (2025-12-30): Signed final 1003 was provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118608 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. (9300) | Final Lender Credit decreased from $XXXX to XXXX without a valid change of circumstance. Cure was not provided at closing. |  |  | XXXX | Reviewer Comment (2025-12-25): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-12-03): Please provide a Notice of COC that reflects the doc type changed on XXXX.<br>Seller Comment (2025-12-03): (Rate Lock) Doc type changed 10/29<br>Reviewer Comment (2025-11-30): Situsamc Lock date XXXX states Doc type changed to 12 months bank statement; however, file contains COC dated XXXX which also states product changed to 12-month bank statement. Lender credit removed on CD dated 10/30 which is 5 days from COC dated XXXX. Lender credit was not disclosed correctly within 3 days timeline from COC dated XXXX. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-11-30): (Rate Lock) Please see the comments on the lock - it states the change was DOC type to 12 month personal Bank Statements<br>Reviewer Comment (2025-11-28): SitusAMC received rebuttal comment. The COC dated 10/30 applied to CD dated 11/04 as the loan amount was changed on CD dated 11/04. However, the lender credit was decreased on on CD dated 10/30 as per rate lock provided dated 10/29 has also loan amount as XXXX. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Reviewer Comment (2025-11-25): The 10/30 COC said the loan amount, not the Loan Program or rate. Please provide COC. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118619 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Used 1007 for STR income calculation however, 12month STR income history missing. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (2025-11-26): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118628 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrowers do not have a complete 12 month housing history documented. History is only good through XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-10): Client elected to waive with compensating factors.<br>Reviewer Comment (2025-12-05): Please provide the comp factors for this exception. Rate lock document uploaded shows "no comp factors" | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | DSCR is less than1.00 @XXXX | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-04): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  | XXXX | Reviewer Comment (2025-12-05): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-03): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. (9300) | Need sufficient cure amount for Lender Credits |  |  | XXXX | Reviewer Comment (2025-12-04): SitusAMC received valid COC document | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 70.00000%. | LTV of 80% exceeds max of 70% for a cash-out refi on a rural property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-26): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 70.00000%. | LTV of 80% exceeds max of 70% for a cash-out refi on a rural property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-26): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118603 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | Borrower: XXXX Occupancy: Investment; Declarations/Will borrower occupy: Yes | Borrower indicated that they will occupy the property but property is intended as an investment property. |  |  | XXXX | Reviewer Comment (2025-12-02): Received updated 1003 in trailing docs.<br>Seller Comment (2025-12-02): (Rate Lock) Corrected 1003 provided<br>Reviewer Comment (2025-11-21): Signed, updated final 1003 with correct occupancy was not provided.<br>Seller Comment (2025-11-21): (Rate Lock) corrected 1003 provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A | Non QM | N/A | No |
| XXXX | XXXX | 4350118603 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | Final 1003 declaration section reflects borrower will occupy subject property as primary residence. |  |  | XXXX | Reviewer Comment (2025-12-02): Received updated 1003 in trailing docs.<br>Seller Comment (2025-12-02): (Rate Lock) Corrected 1003 provided<br>Reviewer Comment (2025-11-21): Signed, updated final 1003 with correct occupancy was not provided.<br>Seller Comment (2025-11-21): (Rate Lock) corrected 1003 provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A | Non QM | N/A | No |
| XXXX | XXXX | 4350118762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Credit | General | Credit | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. |  | Appraisal Report date XXXX is showing property type as "PUD detached" however Appraisal Report date XXXX is showing property type as "Single Family Detached". |  |  | XXXX | Reviewer Comment (2025-12-03): Received corrected appraisal in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines state variance between first and second appraisal is to be no more than 10%.<br> Asking to proceed with the two appraisals using lowest value of XXXX; 1st Appraisal XXXX dated XXXX; 2nd Appraisal XXXX dated XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 9.00<br>Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-10-30): Client elects to regrade and waive based on the following compensating factors: <br> Guidelines Representative FICO: 680<br> Representative FICO: 777<br> Reserves: 79.20<br> Guideline Requirement: 9.00 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 67.11468% exceeds Guideline total debt ratio of 55.00000%. | DTI |  |  | XXXX | Reviewer Comment (2025-12-17): Received information from client on rental property being an investment property and not a second home. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI exceeding maximum due to mortgages expenses. |  |  | XXXX | Reviewer Comment (2025-12-17): Received information from client on rental property being an investment property and not a second home. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Investment | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | N/A | N/A | Yes |
| XXXX | XXXX | 4350118762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeding maximum due to mortgages expenses. |  |  | XXXX | Reviewer Comment (2025-12-17): Received information from client on rental property being an investment property and not a second home. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require 12 or more Months | Ability to Repay (XXXX): Guidelines require 12 or more consecutive months bank statements. (XXXX/Bank Statements) |  |  |  | XXXX | Reviewer Comment (2025-12-17): Received information from client on rental property being an investment property and not a second home. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require 12 or more Months | Ability to Repay (XXXX): Guidelines require 12 or more consecutive months bank statements. (XXXX/Bank Statements) |  |  |  | XXXX | Reviewer Comment (2025-12-17): Received information from client on rental property being an investment property and not a second home. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require 12 or more Months | Ability to Repay (XXXX): Guidelines require 12 or more consecutive months bank statements. (XXXX/Bank Statements) |  |  |  | XXXX | Reviewer Comment (2025-12-17): Received information from client on rental property being an investment property and not a second home. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (XXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXX% significantly exceeds the guideline maximum of 55.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI exceeding maximum due to mortgages expenses. |  |  | XXXX | Reviewer Comment (2025-12-17): Received information from client on rental property being an investment property and not a second home.<br>Reviewer Comment (2025-12-17): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: Ability to Repay (XXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 67.11468% significantly exceeds the guideline maximum of 55.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus 10% or XXXX. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  | XXXX | Reviewer Comment (2025-10-30): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Rate/Term | Final CD evidences Cure B A | N/A | N/A | Yes |
| XXXX | XXXX | 4350118671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Proof of Appraisal delivery report is not available in file for Appraisal report date XXXX. |  |  | XXXX | Reviewer Comment (2025-12-24): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-22): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 80.00000%. | LTV of 90% exceeds guideline max of 80% for a first time home buyer with no housing history. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-28): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 80.00000%. | LTV of 90% exceeds guideline max of 80% for a first time home buyer with no housing history. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-28): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower on this file is also the realtor. Borrower would like to use the realtor commission for closing costs. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: XXXX<br> Representative FICO: 761 | XXXX | Reviewer Comment (2025-11-25): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal utilizes comp sale 3 with - XXXX% net / XXXX% gross. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 9.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-26): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The ADU is larger than the main dwelling. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 9.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-26): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (XXXX): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  | XXXX | Reviewer Comment (2025-12-08): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-04): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Evidence of borrower's receipt of the appraisal was not provided. |  |  | XXXX | Reviewer Comment (2025-12-09): Client elects to waive.<br>Seller Comment (2025-12-05): (Rate Lock) Lender accepts EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  | XXXX | Reviewer Comment (2025-11-28): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). (Final/XXXX) | Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate |  |  | XXXX | Reviewer Comment (2025-12-12): SitusAMC received lender attestation confirming tax research is tax cert fee and is one time fee<br>Reviewer Comment (2025-12-05): Upfront one-time determination Tax Cert is excluded, however life of loan tax service is included as a finance charge. Please provide invoice or other documentary evidence to determine which portion is for upfront determination and which portion is for life of loan tax service as applicable.<br>Seller Comment (2025-12-04): Please see attached in trailing docs passing Mavent that matches the final CD the tax status research fee XXXX is not included. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). (Final/XXXX) | Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold (fee amounts included in Finance Charge |  |  | XXXX | Reviewer Comment (2025-12-12): SitusAMC received lender attestation confirming tax research is tax cert fee and is one time fee<br>Reviewer Comment (2025-12-05): Upfront one-time determination Tax Cert is excluded, however life of loan tax service is included as a finance charge. Please provide invoice or other documentary evidence to determine which portion is for upfront determination and which portion is for life of loan tax service as applicable.<br>Seller Comment (2025-12-04): Please see attached passing Mavent that matches the final CD the tax status research fee XXXX is not included. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  | XXXX | Reviewer Comment (2025-12-01): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Transaction is a cash-out refinance on a rural property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 720<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-02): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Insurance Verification, Tax Verification | Unable verify taxes and insurance for XXXX |  |  | XXXX | Reviewer Comment (2025-12-08): Received Tax and Insurance verification in trailing docs.<br>Seller Comment (2025-12-04): See attached proof of the taxes and insurance on XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DCSR of XXXX is less than 1.0. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>Borrower's Experience/Track Record | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Borrower's Experience/Track Record. The borrower has more than 2 prior investments displaying 0x30x12 pay history. | XXXX | Reviewer Comment (2025-11-21): CF Update.<br>Reviewer Comment (2025-11-20): Lender Exception with Compensating Factors provided | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Commitment reflects an XXXX Loan Policy amount is missing and subject loan amount of XXXX. Final Title Policy was not provided to verify sufficient title coverage was obtained. |  |  | XXXX | Reviewer Comment (2025-11-24): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-11-23): (Rate Lock) lender accepts EV2 | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>Borrower's Experience/Track Record | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Borrower's Experience/Track Record. The borrower has more than 2 prior investments displaying 0x30x12 pay history. | XXXX | Reviewer Comment (2025-11-21): CF Update.<br>Reviewer Comment (2025-11-20): Lender Exception with Compensating Factors provided | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>Borrower's Experience/Track Record | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Borrower's Experience/Track Record. The borrower has more than 2 prior investments displaying 0x30x12 pay history. | XXXX | Reviewer Comment (2025-11-21): CF update.<br>Reviewer Comment (2025-11-20): Lender Exception with Compensating Factors provided | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  | XXXX | Reviewer Comment (2025-12-12): Spousal consent provided in Operating agreement.<br>Seller Comment (2025-12-10): (Rate Lock) Please refer to 'Exhibit B' of the operating agreement which reflects spousal consent.<br>Reviewer Comment (2025-12-08): Community property state spousal consent is required.<br>Seller Comment (2025-12-04): (Rate Lock) articles provided showing XXXX is sole member therefore no spousal consent is needed as the spouse has no interest | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118462 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception- The appraisal shows this property is zoned AR1 Agricultural Rural 1 1 du per 20-acres and comp sale 4 has a XXXX% gross adjustment. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower has owned the subject property for at least 5 years.<br>Reserves: XXXX<br> Guideline Requirement: 9.00<br>Loan to Value: 65.00000%<br> Guideline Maximum Loan to Value: 75.00000% | XXXX | Reviewer Comment (2025-11-20): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement<br> Statement<br> Statement<br> Statement | Mortgage statements missing for other properties on XXXX. |  |  | XXXX | Reviewer Comment (2025-12-12): Closing disclosure was provided, in leu of mortgage statements.<br>Reviewer Comment (2025-12-08): Unable to confirm taxes and insurance based post close CDs provided. CDs taxes and insurance are non-escrowed. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | XXXX | Reviewer Comment (2025-12-10): Received proof of delivery in trailing docs.<br>Seller Comment (2025-12-06): (Rate Lock) proof borrower received the appraisal provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-10): Received proof of delivery in trailing docs.<br>Seller Comment (2025-12-06): (Rate Lock) proof borrower received the appraisal provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-10): Received proof of delivery in trailing docs.<br>Seller Comment (2025-12-06): (Rate Lock) proof borrower received the appraisal provided | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXX) | Appraisal report is dated XXXX. Appraisal delivery disclosure provided shows borrower was provided the appraisal report on XXXX which is prior to when the appraisal was completed. |  |  | XXXX | Reviewer Comment (2025-12-16): Client elects to waive.<br>Seller Comment (2025-12-12): (Rate Lock) Lender acccepts EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Asset Depletion loan with cashout for primary residence. Asset depletion is slated for purchase and no cash out refinances. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: XXXX<br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-08): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower not provided in file. |  |  | XXXX | Reviewer Comment (2025-12-22): Client accepts EV2 and elects to Waive.<br>Seller Comment (2025-12-18): (Rate Lock) Accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Final closing disclosure did not disclose a reason for not having escrow account. |  |  | XXXX | Reviewer Comment (2025-12-18): Situsamc Received Letter of Explanation & Corrected Closing Disclosure. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | The Appraisal fee was not disclosed on the initial LE and there was no valid change of circumstances. |  |  | XXXX | Reviewer Comment (2025-12-26): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement<br> Insurance Verification, Tax Verification<br> Insurance Verification, Tax Verification<br> Insurance Verification, Tax Verification | Mortgage statements missing for properties on XXXX. |  |  | XXXX | Reviewer Comment (2025-12-12): Closing disclosures were used in leu of mortgage statements.<br>Reviewer Comment (2025-12-12): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Statement<br> Statement<br> Statement<br> Statement<br>Reviewer Comment (2025-12-08): Unable to verify taxes and and insurance. Post close CDs confirm taxes and insurance were not escrowed. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-09): Client elects to waive.<br>Seller Comment (2025-12-05): (Rate Lock) Lender accepts and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-09): Client elects to waive.<br>Seller Comment (2025-12-05): (Rate Lock) Lender accepts and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | PITIa verification missing for other properties on XXXX. |  |  | XXXX | Reviewer Comment (2025-12-17): REO debt verification provided.<br>Seller Comment (2025-12-16): (Rate Lock) Signed CD provided<br>Reviewer Comment (2025-12-09): Missing Closing Disclosure/ Mortgage statement for property XXXX.<br>Seller Comment (2025-12-05): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file missing documentation to verify the PITIA. |  |  | XXXX | Reviewer Comment (2025-12-17): REO debt verification provided.<br>Seller Comment (2025-12-16): (Rate Lock) Signed CD provided<br>Reviewer Comment (2025-12-09): Missing Closing Disclosure/ Mortgage statement for property XXXX.<br>Seller Comment (2025-12-05): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Loan file missing documentation to verify the PITIA. |  |  | XXXX | Reviewer Comment (2025-12-09): Received CD in trailing docs.<br>Seller Comment (2025-12-05): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Loan file missing documentation to verify the PITIA. |  |  | XXXX | Reviewer Comment (2025-12-09): Received CD in trailing docs.<br>Seller Comment (2025-12-05): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Loan file missing documentation to verify the PITIA. |  |  | XXXX | Reviewer Comment (2025-12-09): Received CD in trailing docs.<br>Seller Comment (2025-12-05): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Missing Final Closing Disclosure from New XXXX Loan. |  |  | XXXX | Reviewer Comment (2025-12-09): Received the property's CD in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Missing Final Closing Disclosure from New XXXX Loan. |  |  | XXXX | Reviewer Comment (2025-12-09): Received the property's CD in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Missing Final Closing Disclosure from New XXXX Loan. |  |  | XXXX | Reviewer Comment (2025-12-09): Received the property's CD in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Missing Final Closing Disclosure from New XXXX Loan. |  |  | XXXX | Reviewer Comment (2025-12-09): Received the property's CD in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Final Closing Disclosure from New XXXX for other properties in XXXX. |  |  | XXXX | Reviewer Comment (2025-12-09): Received the properties CDs in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for borrower lender having 8 pack of loans and aggregate total of all loans exceeding XXXX UPB. Exception was denied reason being FICO/LTV combination outside of rate sheet/guideline/program requirements. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI: 14.11921% <br> Guideline Maximum DTI: 55.00000% | XXXX | Reviewer Comment (2025-12-04): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unit B has a square footage of XXXX, which is the below the 400 square foot minimum. Additionally, the appraisal utilized comps with large supported adjustments. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 9.00<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-20): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Loan file missing documentation to verify the property's PITIA. |  |  | XXXX | Reviewer Comment (2025-12-12): Received properties' CDs in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Loan file missing documentation to verify the property's PITIA. |  |  | XXXX | Reviewer Comment (2025-12-12): Received properties' CDs in trailing docs.<br>Seller Comment (2025-12-10): (Rate Lock) XXXX REO CD provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Loan file missing documentation to verify the property's PITIA. |  |  | XXXX | Reviewer Comment (2025-12-12): Received properties' CDs in trailing docs.<br>Seller Comment (2025-12-10): (Rate Lock) XXXX REO CD provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Loan file missing documentation to verify the property's PITIA. |  |  | XXXX | Reviewer Comment (2025-12-12): Received properties' CDs in trailing docs.<br>Seller Comment (2025-12-10): (Rate Lock) XXXX REO CD provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXX) | Verification of appraisal was delivered to borrower not provided in file. |  |  | XXXX | Reviewer Comment (2025-12-24): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-22): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-24): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-22): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property was recently listed for sale. The subject was taken off the market on XXXX and the application date was XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>DTI: 39.96635% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-28): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | Non QM | N/A | No |
| XXXX | XXXX | 4350118604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-11-18): Lender elected to waive.<br>Seller Comment (2025-11-18): (Rate Lock) LEnder accepts EV2 | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). (Final/XXXX) | Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate. Need Corrected CD |  |  | XXXX | Reviewer Comment (2025-12-22): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2025-12-19): (Rate Lock) PCCD and check provided<br>Reviewer Comment (2025-12-03): Borrower shopping does not influence APR calculation. The Fee purpose determines inclusion or exclusion from finance charge calculations. 1026.4(c)(7) determines what fees can be excluded from finance charge calculation. It states the following XXXX be excluded. (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes.<br> (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents.<br> (iii) Notary and credit-report fees.<br> (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations.<br> (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge. If the seller can provide a citation that would offset the above SitusAMC will review for consideration, otherwise the cure amount on the exception is XXXX, which would also require a PCCD, LOE, Copy of Refund check and proof of mailing.<br>Seller Comment (2025-12-02): (Rate Lock) Again, the borrower shopped for fees and these were added to the final CD signed at close XXXX. Because the borrower shopped, we were not made aware of the fees until XXXX and therefore disclosed what we knew at the best possible time. No cure is needed<br>Reviewer Comment (2025-11-28): The Final CD being tested as the Final CD has date issued of XXXX. The fees in question for the XXXX Title-Document Storage/Archive & the XXXX Title-Preparation of notice were known at the time the Final CD was disclosed and lender should have included in their calculations on that Final CD. These fees were not post-closing fees added after consummation that lender was unaware of, as they were disclosed on this Final CD by lender and Loan Calculations should have included at that time.<br>Seller Comment (2025-11-26): (Rate Lock) The XXXX fee was not added until the final CDF in which we learned the borrower shopped for. Because they selected their own fees, we would have not known of this fee until then. Therefore we disclosed the best possible information at the time we had and no cure is needed<br>Reviewer Comment (2025-11-21): Fee purpose determines if a fee is an APR fee or excludable under 1026.4(c)(7) not borrower shopping. Fee purpose on the current CD indicates the finance charge is under disclosed. Please provide cure or documentation fee purpose for review and testing.<br>Seller Comment (2025-11-21): (Rate Lock) Borrower shopped for their own fees and it is reflected on this CD. Therefore no cure is needed. Please clear<br>Reviewer Comment (2025-11-21): The figure noted is on the initial CD and is not being tested in these calculations. The Final CD is tested and was disclosed to borrower at closing in the amount of XXXX. However, the calculated finance charge is XXXX and the at closing final CD was underdisclosed to borrower XXXX. Per lender's compliance report, they did not include the XXXX Title-Document Storage/Archive fee or the XXXX Title-Preparation of Notice of Settlement fee which both would be finance charges. Cure with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of XXXX and proof of mailing.<br>Seller Comment (2025-11-19): (Rate Lock) Please advise which document is reflecting the XXXX this is not shown on our CDs<br>Reviewer Comment (2025-11-18): Amount Financed disclosed is XXXX. Calculated Amount Financed of XXXX. Variance of XXXX<br>Seller Comment (2025-11-18): (Rate Lock) Most recent CD from XXXX has finance charge of XXXX please advise where the other amount is coming from | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). (Final/XXXX) | Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold. Need corrected CD |  |  | XXXX | Reviewer Comment (2025-12-22): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2025-12-19): (Rate Lock) PCCD and check provided<br>Reviewer Comment (2025-12-03): Borrower shopping does not influence APR calculation. The Fee purpose determines inclusion or exclusion from finance charge calculations. 1026.4(c)(7) determines what fees can be excluded from finance charge calculation. It states the following XXXX be excluded. (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes.<br> (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents.<br> (iii) Notary and credit-report fees.<br> (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations.<br> (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge. If the seller can provide a citation that would offset the above XXXX will review for consideration, otherwise the cure amount on the exception is XXXX, which would also require a PCCD, LOE, Copy of Refund check and proof of mailing.<br>Seller Comment (2025-12-02): (Rate Lock) Again, the borrower shopped for fees and these were added to the final CD signed at close 11/5. Because the borrower shopped, we were not made aware of the fees until XXXXand therefore disclosed what we knew at the best possible time. No cure is needed<br>Reviewer Comment (2025-11-28): The Final CD being tested as the Final CD has date issued of XXXX. The fees in question for the XXXX Title-Document Storage/Archive & the XXXX Title-Preparation of notice were known at the time the Final CD was disclosed and lender should have included in their calculations on that Final CD. These fees were not post-closing fees added after consummation that lender was unaware of, as they were disclosed on this Final CD by lender and Loan Calculations should have included at that time.<br>Seller Comment (2025-11-26): (Rate Lock) The XXXX fee was not added until the final CDF in which we learned the borrower shopped for. Because they selected their own fees, we would have not known of this fee until then. Therefore we disclosed the best possible information at the time we had and no cure is needed<br>Reviewer Comment (2025-11-21): Fee purpose determines if a fee is an APR fee or excludable under 1026.4(c)(7) not borrower shopping. Fee purpose on the current CD indicates the finance charge is under disclosed. Please provide cure or documentation fee purpose for review and testing.<br>Seller Comment (2025-11-21): (Rate Lock) Borrower shopped for their own fees and it is reflected on this CD. Therefore no cure is needed. Please clear<br>Reviewer Comment (2025-11-21): The figure noted is on the initial CD and is not being tested in these calculations. The Final CD is tested and was disclosed to borrower at closing in the amount of XXXX. However, the calculated finance charge is XXXX and the at closing final CD was underdisclosed to borrower XXXX. Per lender's compliance report, they did not include the XXXX Title-Document Storage/Archive fee or the XXXX Title-Preparation of Notice of Settlement fee which both would be finance charges. Cure with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of XXXX and proof of mailing.<br>Seller Comment (2025-11-19): (Rate Lock) Please advise which document is reflecting the XXXX this is not shown on our CDs<br>Reviewer Comment (2025-11-18): Finance Charge disclosed is XXXX. Calculated finance charge is XXXX. Variance of XXXX<br>Seller Comment (2025-11-18): (Rate Lock) Most recent CD from XXXX has finance charge of XXXX please advise where the other amount is coming from | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. | Calculated Available for Reserves of XXXX is less than Guideline Available for Reserves of 6 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>DTI: 28.28058% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2026-01-08): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  | XXXX | Reviewer Comment (2025-11-25): Doc was provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Provide the business bank statement for the XXXX account ending XXXX for the Month of XXXX and for the account ending XXXX for the month of XXXX to XXXX. |  |  | XXXX | Reviewer Comment (2025-12-01): Received bank statements in trailing docs.<br>Reviewer Comment (2025-11-25): UPDATED COMMENT (XXXX) \*\*\*\*\* Loan file is missing bank statements for account #XXXX for XXXX through XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Provide the business bank statement for the XXXX account ending XXXX for the Month of XXXX and for the account ending XXXX for the month of XXXX to XXXX. |  |  | XXXX | Reviewer Comment (2025-12-01): Received bank statements in trailing docs.<br>Reviewer Comment (2025-11-25): UPDATED COMMENT (XXXX) \*\*\*\*\* Loan file is missing bank statements for account #XXXX for XXXX through XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Account Statements - Business | Provide the business bank statement for the XXXX account ending XXXX for the Month of XXXX and for the account ending XXXX for the month of XXXX to XXXX. |  |  | XXXX | Reviewer Comment (2025-12-01): Received bank statements in trailing docs.<br>Reviewer Comment (2025-11-25): UPDATED COMMENT (XXXX) \*\*\*\*\* Loan file is missing bank statements for account #XXXX for XXXX through XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | UPDATED COMMENT (XXXX) \*\*\*\*\* Loan file is missing bank statements for account #XXXX for XXXX through XXXX.<br> Provide the business bank statement for the XXXX account ending XXXX for the Month of XXXX and for the account ending XXXX for the month of XXXX & for the XXXX. |  |  | XXXX | Reviewer Comment (2025-12-01): Received bank statements in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Provide the business bank statement for the XXXX account ending XXXX for the Month of XXXX and for the account ending XXXX for the month of XXXX & for the XXXX. |  |  | XXXX | Reviewer Comment (2025-12-01): Received bank statements in trailing docs.<br>Reviewer Comment (2025-11-25): UPDATED COMMENT (XXXX) \*\*\*\*\* Loan file is missing bank statements for account #XXXX for XXXX XXXX through XXXX XXXX. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Provide the business bank statement for the XXXX account ending XXXX for the Month of XXXX and for the account ending XXXX for the month of XXXX & for the XXXX. |  |  | XXXX | Reviewer Comment (2025-12-01): Received bank statements in trailing docs.<br>Reviewer Comment (2025-11-25): UPDATED COMMENT (XXXX) \*\*\*\*\* Loan file is missing bank statements for account #XXXX for XXXX XXXX through XXXX XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Closing Disclosure not provided to Borrower(s) at least three business days prior to closing. |  |  | XXXX | Reviewer Comment (2025-11-25): SitusAMC received XXXX CD received 3 business days prior to consummation. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. (9300) | No cure and no valid COC provided. |  |  | XXXX | Reviewer Comment (2025-11-25): Situsamc Received Valid COC along with CD dated XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Provide the business bank statement for the XXXX account ending XXXX for the Month of XXXX and for the account ending XXXX for the month of XXXX & for the XXXX. |  |  | XXXX | Reviewer Comment (2025-12-01): Received bank statements in trailing docs.<br>Reviewer Comment (2025-11-25): Loan file is still missing bank statements for account #XXXX for XXXX XXXX through XXXX XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a log home. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-08): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118810 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. | Borrower: XXXX | "Have you or will you be applying for a mortgage loan on another property" was marked yes on 1003. Please provide additional documentation referenced to other property. |  |  | XXXX | Reviewer Comment (2026-01-07): Evidence of new debt provided and included in the debt ratio. Exception cleared.<br>Seller Comment (2026-01-07): (Rate Lock) CD, note, and DOT from con-current loan provided<br>Reviewer Comment (2025-12-24): Documents from new loan taken out by borrower, or updated 1003.<br>Seller Comment (2025-12-23): (Rate Lock) Please advise what documents are needed<br>Reviewer Comment (2025-12-22): Provided documents did not address issue. Please verify - Have you or will you be applying for a mortgage loan on another property" was marked yes on 1003. Please provide additional documentation referenced to other property.<br>Seller Comment (2025-12-18): (Rate Lock) 1003 provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 740<br> Representative FICO: XXXX<br>Housing payment history 0x30x24 or better | XXXX | Reviewer Comment (2025-12-02): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118507 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: XXXX | Subject is a non-warrantable condo. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: XXXX<br>DTI: 39.63040% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (2025-11-20): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-08): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DSCR of XXXX is less than the DSCR 1.0 required by Guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>0x30x24 | XXXX | Reviewer Comment (2025-12-18): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). (Final/XXXX) | Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). (Final/XXXX) |  |  | XXXX | Reviewer Comment (2025-12-12): SitusAMC received lender attestation on tax research fee is one time fee, not finance charge.<br>Reviewer Comment (2025-12-09): Upfront one-time determination Tax Cert is excluded, however life of loan tax service is included as a finance charge. Please provide invoice or other documentary evidence to determine which portion is for upfront determination and which portion is for life of loan tax service as applicable.<br>Seller Comment (2025-12-09): See trailing title attestation regarding fee<br>Seller Comment (2025-12-08): Is this also due to the Tax status research fee as well ?<br>Reviewer Comment (2025-12-05): Please confirm tax certificate fee is for one time upfront tax determination and does not include life of loan services to determine if excludable from finance charges. While we acknowledge that a one-time up front tax determination used in the decisions to extend credit would be excluded from finance charge under 1026.4(c)(7), any portion of a charge for life of loan tax service is considered a finance charge. Without documentation evidencing which portion is for life of loan vs. one time upfront, the entire amount is included in finance charges for testing purposes pursuant to Comment 19 (4)(c)(7)-3 which provides: For example, a fee for one or more determinations during the loan term of the current tax-lien status or flood-insurance requirements is a finance charge, regardless of whether the fee is imposed at closing, or when the service is performed. If a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to the initial decision to grant credit, the entire fee XXXX be treated as a finance charge.<br>Seller Comment (2025-12-04): See passing mavent in trailing docs - the Tax status research fee is not included in the financed amount | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). (Final/XXXX) | The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX. |  |  | XXXX | Reviewer Comment (2025-12-12): SitusAMC received lender attestation on tax research fee is one time fee, not finance charge.<br>Reviewer Comment (2025-12-09): Upfront one-time determination Tax Cert is excluded, however life of loan tax service is included as a finance charge. Please provide invoice or other documentary evidence to determine which portion is for upfront determination and which portion is for life of loan tax service as applicable.<br>Seller Comment (2025-12-09): See attached title attestation that fee is one time.<br>Seller Comment (2025-12-08): Since this has never been requested before can you please advise what type of documentation is required and from whom?<br>Reviewer Comment (2025-12-05): Please confirm tax certificate fee is for one time upfront tax determination and does not include life of loan services to determine if excludable from finance charges. While we acknowledge that a one-time up front tax determination used in the decisions to extend credit would be excluded from finance charge under 1026.4(c)(7), any portion of a charge for life of loan tax service is considered a finance charge. Without documentation evidencing which portion is for life of loan vs. one time upfront, the entire amount is included in finance charges for testing purposes pursuant to Comment 19 (4)(c)(7)-3 which provides: For example, a fee for one or more determinations during the loan term of the current tax-lien status or flood-insurance requirements is a finance charge, regardless of whether the fee is imposed at closing, or when the service is performed. If a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to the initial decision to grant credit, the entire fee XXXX be treated as a finance charge.<br>Seller Comment (2025-12-04): See attached passing Mavent the Tax status research fee is not included in the finance charge. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. (9300) | Final Lender Credit Fee of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. |  |  | XXXX | Reviewer Comment (2025-12-15): SitusAMC received COC and CD dated XXXX.<br>Seller Comment (2025-12-12): Please see attached VCOC dated XXXX showing decrease in the lender credit and corresponding vcoc<br>Reviewer Comment (2025-12-05): Situsamc Received COC dated XXXX for sequence 2 CD dated XXXX. Lender credit decreased on CD dated XXXX sequence 1. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-12-04): See trailing docs for VCOC for reduced lender credit | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (73109) | Mortgage Broker Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. |  |  | XXXX | Reviewer Comment (2025-12-05): Situsamc Received Valid COC dated XXXX for CD XXXX sequence 2.<br>Seller Comment (2025-12-04): See attached VCOC's for the broker fee and lender credit. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Appraisal Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower |  |  | XXXX | Reviewer Comment (2025-12-04): COC was already in file<br>Seller Comment (2025-12-04): Cured on the final CD. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-10): Client elects to waive.<br>Seller Comment (2025-12-08): (Rate Lock) EV2 accept please waive<br>Reviewer Comment (2025-12-01): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-11-30): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Fee Amount of XXXX exceeds tolerance of XXXX. |  |  | XXXX | Reviewer Comment (2025-12-05): SitusAMC received LOE in lieu of COC with LOS snip for increase in fee. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (XXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-10): Client elects to waive.<br>Seller Comment (2025-12-08): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. |  |  | XXXX | Reviewer Comment (2025-12-16): Client elects to waive.<br>Seller Comment (2025-12-12): (Rate Lock) lender accepts EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 74.89552% exceeds Guideline loan to value percentage of 70.00000%. | LTV of 74.89552% exceeds guideline max of 70% for a rural property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in the same position for more than 3 years.<br>DTI: 25.07546% <br> Guideline Maximum DTI: 55.00000% | XXXX | Reviewer Comment (2025-12-10): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 74.89552% exceeds Guideline combined loan to value percentage of 70.00000%. | LTV of 74.89552% exceeds guideline max of 70% for a rural property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in the same position for more than 3 years.<br>DTI: 25.07546% <br> Guideline Maximum DTI: 55.00000% | XXXX | Reviewer Comment (2025-12-10): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification | Missing insurance verification for XXXX. |  |  | XXXX | Reviewer Comment (2025-12-24): LOE stating no insurance on XXXX properties.<br>Seller Comment (2025-12-24): (Rate Lock) docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B C A | Non QM | N/A | No |
| XXXX | XXXX | 4350118741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: XXXX; Lien Position: 1 |  |  |  | XXXX | Reviewer Comment (2025-12-24): CDA provided.<br>Seller Comment (2025-12-24): (Rate Lock) CDA provided | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B C A | Non QM | N/A | No |
| XXXX | XXXX | 4350118741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | XXXX | Reviewer Comment (2025-12-24): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-22): (Rate Lock) Accept EV2, please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B C A | Non QM | N/A | No |
| XXXX | XXXX | 4350118741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Tax Verification | Missing tax verification for XXXX. |  |  | XXXX | Reviewer Comment (2025-12-24): Tax document provided.<br>Seller Comment (2025-12-24): (Rate Lock) docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B C A | Non QM | N/A | No |
| XXXX | XXXX | 4350118741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | SFR has 2 ADUs and one unit is smaller than 500sq. ft. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>DTI: 32.86190% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (2025-12-18): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B C A | Non QM | N/A | No |
| XXXX | XXXX | 4350118741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | P&L only ineligible. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>DTI: 32.86190% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (2025-12-18): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B C A | Non QM | N/A | No |
| XXXX | XXXX | 4350118602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated XXXX disclosed an inaccurate APR of XXXX% compared to the actual APR at consummation of XXXX% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (XXXX%) changed more than the 0.125%(regular transaction) threshold compared to the actual/calculated APR at consummation (XXXX%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  |  | XXXX | Reviewer Comment (2025-11-25): Situsamc Received CD dated 11/03 provided to borrower 3 days prior to closing. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Evidence of borrower's receipt of the revised CD dated XXXX was not provided. |  |  | XXXX | Reviewer Comment (2025-11-25): Situsamc Received CD dated XXXX provided to borrower 3 days prior to closing.<br>Reviewer Comment (2025-11-24): APR changed from XXXX% to XXXX%. APR changed by more than XXXX, it changed by .XXXX.<br>Seller Comment (2025-11-24): (Rate Lock) APR did not change by more than .XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. (9300) | Final Lender Credit of XXXX exceeds tolerance of $XXXX. |  |  | XXXX | Reviewer Comment (2025-11-25): Situsamc Received CD dated XXXX along with valid COC. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus 10% or XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (0) | Total amount of XXXX exceeds tolerance of XXXX. |  |  | XXXX | Reviewer Comment (2025-12-09): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-11-25): In XXXX, the recording fee is based on the number of pages and not on the percentage of the loan amount.<br>Seller Comment (2025-11-25): (Rate Lock) Increased with the loan amount | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 88.41176% exceeds Guideline loan to value percentage of 80.00000%. | LTV of 90% exceeds guideline max of 80% for a non-arm's length transaction. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>DTI: 34.39757% <br> Guideline Maximum DTI: 45.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-17): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 88.41176% exceeds Guideline combined loan to value percentage of 80.00000%. | LTV of 90% exceeds guideline max of 80% for a non-arm's length transaction. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>DTI: 34.39757% <br> Guideline Maximum DTI: 45.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-17): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three business days prior to closing. (XXXX CD missing from the file.) |  |  | XXXX | Reviewer Comment (2025-12-19): SitusAMC received XXXX CD | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the Commitment in file. | Title Policy Coverage is less than Original Loan Amount. |  |  | XXXX | Reviewer Comment (2025-12-08): Client accepts EV2 Grade and elects to Waive.<br>Reviewer Comment (2025-12-01): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-11-30): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Please provide executed HUD-1. |  |  | XXXX | Reviewer Comment (2025-12-17): Addendum provided.<br>Seller Comment (2025-12-16): (Rate Lock) The document was provided. We do not have a signature line on the last page of the HUD and have a signature addendum. Please clear as this is acceptable<br>Reviewer Comment (2025-12-15): Exception remains, signed/executed HUD/CD was not provided.<br>Seller Comment (2025-12-12): (Rate Lock) signed HUD provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | 4350118508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Verification of borrower's employment not completed by a tax preparer, but an attorney with an expired PTIN. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (2025-12-03): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (2025-12-03): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is in legal non-conforming zoning due to being in industrial zoning. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-03): Lender exceptions with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | 4350118678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (XXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | XXXX | Reviewer Comment (2025-12-09): Client elects to waive.<br>Seller Comment (2025-12-05): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | 4350118678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 45.64304% exceeds Guideline total debt ratio of 45.00000%. | DTI exceeds guideline maximum of 45% for a loan with an LTV greater than 80%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-04): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | 4350118765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument document is missing in file. |  |  | XXXX | Reviewer Comment (2025-12-30): Security instrument was provided. | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| XXXX | XXXX | 4350118623 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.91 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-11-26): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1 Unit in the property has less then 500 Sq Ft | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower has housing payment history of 0x30x24 or better. | XXXX | Reviewer Comment (2025-12-22): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Signed and dated Operating Agreement missing from the loan file. |  |  | XXXX | Reviewer Comment (2025-12-03): borrower has 100% ownership, business is LLC<br>Seller Comment (2025-12-02): (Rate Lock) Borrowing entity is a sole member LLC without an operating agreement. Please see uploaded signed and notarized Declaration of Organizational Facts. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | 4350118613 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Disclosure summary in file shows a CD dated XXXX was delivered to the borrower, please provide that CD and any others that was provided to the borrower. |  |  | XXXX | Reviewer Comment (2025-11-28): SitusAMC received initial CD. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118613 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Appraisal Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. No COC or sufficient cure provided for the borrower. |  |  | XXXX | Reviewer Comment (2025-12-04): SitusAMC received Letter of Explanation, Payment history and Corrected CD.<br>Reviewer Comment (2025-12-01): SitusAMC received corrected PCCD indicates XXXX Principal reduction instead Principal reduction for cure exceeding legal limits P.O.C. Lender. This is not specific principal reduction to borrower for the lender credit violation. Please provide a Corrected CD, LOE to borrower reflecting this as a principal reduction for cure credit for costs over legal limits. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118613 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  |  | XXXX | Reviewer Comment (2025-12-01): SitusAMC received updated CD dated XXXX which is within that timing requirement.<br>Seller Comment (2025-11-30): (Rate Lock) APR from XXXX CD to XXXX did not change by more than XXXX - it decreased | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is zoned commercial/residential which is ineligible per Guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 38.71070% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-24): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  | XXXX | Reviewer Comment (2025-12-22): 1007 provided.<br>Seller Comment (2025-12-18): (Rate Lock) 1007 provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Requested:<br>This is an attached condo unit not being insured under a Master policy as required per section 5.14 of the HOA's bylaws. The unit owner is insuring the interior and exterior of the subject unit under a HO-3 policy.<br>Compensating Factors:<br>Qualifying DTI less than 35%, AND at least 10% less than guideline maximum; Borrower has worked in same job more than 3 years; Borrower has worked in same industry more than 5 years; Borrower has verified residual income (disposable income) of at least XXXX per month. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Loan to Value: 70.00000%<br> Guideline Maximum Loan to Value: 80.00000%<br>DTI: 22.98145% <br> Guideline Maximum DTI: 43.00000% | XXXX | Reviewer Comment (2025-12-11): Client elected to waive with compensating factors.<br>Seller Comment (2025-12-09): (Rate Lock) Please downgrade exception and waive | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Third party verification for primary borrower's self-employment was not provided confirming start date. |  |  | XXXX | Reviewer Comment (2025-12-08): Third party verification post closing was provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX HOA Verification, Statement | Missing The Loan Star mortgage statement for XXXX 1st verifying XXXX payment includes escrows for HOI and Property Taxes. Missing HOA Verification. |  |  | XXXX | Reviewer Comment (2025-12-11): HOA doc was provided<br>Seller Comment (2025-12-09): (Rate Lock) HOA bill provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX HOA Verification, Statement | Missing The Loan Star mortgage statement for XXXX 1st verifying XXXX payment includes escrows for HOI and Property Taxes. Missing HOA Verification. |  |  | XXXX | Reviewer Comment (2025-12-11): HOA doc was provided<br>Seller Comment (2025-12-09): (Rate Lock) HOA bill provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | Borrower: XXXX // Employment Type: Employment / Income Type: Bank Statements / Start Date: XXXX // Document: Third Party Verification / Document Date: / Tax Year: | Loan file missing dated verification of start date of the borrower's businesses. Third Party verification for primary income source is not dated. Unable to verify if it is a pre-close or post-close verification. |  |  | XXXX | Reviewer Comment (2025-12-08): Third party verification provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | Loan file missing dated verification of start date of the borrower's businesses. Third Party verification for primary income source is not dated. Unable to verify if it is a pre-close or post-close verification. Secondary income source missing Third Party Verification of start date. |  |  | XXXX | Reviewer Comment (2025-12-08): Third party verification was provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118523 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural property with XXXX acres vs max 10 acres per guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 15.28<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 790 | XXXX | Reviewer Comment (2025-12-22): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118523 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower not provided in file. |  |  | XXXX | Reviewer Comment (2025-12-24): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-23): Elect to waive appraisal delivery, grade 2 and close out. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118523 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits changed from - XXXX to - XXXX, a difference of XXXX, without a valid changed circumstance document in file. No cure provided. |  |  | XXXX | Reviewer Comment (2025-12-25): SitusAMC received valid rebuttal comment and supporting rate lock document for the pricing changed to decrease the lender credit.<br>Seller Comment (2025-12-24): The lender's COC form states "borrower requested" and should be treated as you would a processor cert. COC forms have always been acceptable documentation for the date of the event. The change in lender credits is direct reflection in change in pricing, due to borrowers request to change loan amount, twice and lower interest rate. Providing lock confirmations from XXXX, and another XXXX, these match the borrower change requests/COC forms and how the changes to loan amount and interest rate changed pricing. Note: AMC has already cleared this defi prior to being sent to XXXX, please review Situs AMC Loan ID XXXX.<br>Reviewer Comment (2025-12-23): SitusAMC received valid rebuttal comment. However, provided COC indicates that borrower requested change and does not give additional information what impacts and why the lender credit was removed. Moreover, there seems to be no supporting document in the loan file for the borrower request to change. Please provide documentation of borrower requested change and it should include the date of the borrower's change request and be documented in writing through copy of borrower emails, Communication log or screenshot of LO notes in LOX, etc. Otherwise, cure is required to borrower.<br>Seller Comment (2025-12-23): AMC has previously cleared this defi, we switched investors. VCOC provided. Per lender: XXXX – COC & Revised CD issued for second increased loan amount requested by borrower; Rate increased to XXXX%, No Discount Points but Lender Credit XXXX added<br> XXXX – COC & Revised CD issued to lower rate at borrower request; XXXX%, Discount Points XXXX added, and Lender Credit removed | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-24): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-22): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXX result in additional fee tolerance violations. (Initial/XXXX) | Loan Estimate was not delivered to Borrower within three business days of application. Initial Loan Estimate dated XXXX was electronically provided prior to borrower's consent to receive electronic disclosures. |  |  | XXXX | Reviewer Comment (2025-12-25): SitusAMC received updated E-sign Consent agreement with eConsent accepted by borrower on XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. |  |  | XXXX | Reviewer Comment (2025-12-25): SitusAMC received updated E-sign Consent agreement with eConsent accepted by borrower on XXXX prior to valid COC dated XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of XXXX is less than AUS required disposable income of XXXX. | Lender approved an exception for borrower's disposable income being less than XXXX. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Guidelines Representative FICO: 680<br> Representative FICO: XXXX<br>Loan to Value: 41.59145%<br> Guideline Maximum Loan to Value: 80.00000%<br>Loan to Value: 41.59145%<br> Guideline Maximum Loan to Value: 80.00000% | XXXX | Reviewer Comment (2025-12-08): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of 700. | FICO score of XXXX is less than Guideline representative FICO score of 700. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 23.03<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-29): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points were last disclosed as XXXX on the Loan Estimate but disclosed as XXXX on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. |  |  | XXXX | Reviewer Comment (2026-01-06): SitusAMC received CD and a valid COC.<br>Seller Comment (2026-01-05): (Rate Lock) CIC provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. |  |  | XXXX | Reviewer Comment (2026-01-07): Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Seller Comment (2026-01-05): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (XXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. |  |  | XXXX | Reviewer Comment (2026-01-07): Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Seller Comment (2026-01-05): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is not available in the file. |  |  | XXXX | Reviewer Comment (2025-12-30): Corp resolution was provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Short-term rental, less than 12 months. Use of 10 month average. Property purchased XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-08): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | DSCR less than 1.0. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-12-24): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: XXXX; Lien Position: 1 | CDA in file with a report date of XXXX has an appraised value of XXXX which does not support the appraised value used for LTV calculations. (Securitization exception) |  |  | XXXX | Reviewer Comment (2025-12-09): Client elects to waive.<br>Seller Comment (2025-12-05): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 1 A B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The Desk Review or Field Review effective date does not match the Appraisals effective date , appraisal effective date is XXXX and field review effective date is XXXX |  |  | XXXX | Reviewer Comment (2025-12-12): Client elected to use CDA with the same effective date as the appraisal for LTV calculation.<br>Seller Comment (2025-12-10): (Rate Lock) The CDA value is updated and the LTV is at 69.355% | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXX) | Appraisal proof of delivery is not provided within 3 business days prior to closing |  |  | XXXX | Reviewer Comment (2025-12-09): Client elects to waive.<br>Seller Comment (2025-12-05): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). (Final/XXXX) | Calculated Amount Financed are XXXX as per final Closing disclosure it is mentioned as XXXX there is a variance of XXXX. |  |  | XXXX | Reviewer Comment (2025-12-22): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Seller Comment (2025-12-19): (Rate Lock) PCCD and check provided<br>Reviewer Comment (2025-12-18): SitusAMC received RTC with proper dates and proof of receipt. Please provide PCCD, LOE, Copy of refund check, and proof of delivery to complete cure.<br>Seller Comment (2025-12-17): (Rate Lock) NRTC provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). (Final/XXXX) | Calculated finance charges are XXXX as per final Closing disclosure it is mentioned as XXXX, there is a variance of - XXXX. |  |  | XXXX | Reviewer Comment (2025-12-22): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Seller Comment (2025-12-19): (Rate Lock) PCCD and check provided<br>Reviewer Comment (2025-12-18): SitusAMC received RTC with proper dates and proof of receipt. Please provide PCCD, LOE, Copy of refund check, and proof of delivery to complete cure.<br>Seller Comment (2025-12-17): (Rate Lock) NRTC provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-30): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-29): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (XXXX) | Cure was provided. |  |  | XXXX | Reviewer Comment (2025-12-30): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Waive three months bank statements on P&L only program. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 70.00000%<br> Guideline Maximum Loan to Value: 80.00000%<br>Guidelines Representative FICO: 720<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-02): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118625 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: XXXX | File does not contain documentation from lender/seller confirming the condo is warrantable. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 25.89%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-20): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118625 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Closing Disclosure contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. |  |  | XXXX | Reviewer Comment (2025-12-02): CD provided<br>Seller Comment (2025-12-02): (Rate Lock) CD provided<br>Reviewer Comment (2025-11-28): Based on disclosure tracking in file, there appears to be a CD sent on XXXX which is not located in images. Please provide copy of CD sent and received on XXXX for review<br>Reviewer Comment (2025-11-26): The loan file contains two CDs. One CD is issued XXXX and was received XXXXshowing an APR of XXXX%. The final CD is dated XXXX and shows as received on XXXX due to mailbox rule and shows an APR of XXXX%. The difference between the APR on the two CDs is XXXX% and is beyond the .XXXX% tolerance. The closing shows as taking place on XXXX. The latest day to receive a change in APR is XXXX. This is a timing issue with no visible cure in the current loan file.<br>Seller Comment (2025-11-26): (Rate Lock) Change is less than 0.125% therefore this does not re-open recission | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118625 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 80.00000%. | LTV of 90% exceeds guideline max of 80% for a non-warrantable condo. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 25.89%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-20): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118625 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 80.00000%. | LTV of 90% exceeds guideline max of 80% for a non-warrantable condo. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 25.89%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-20): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non warrantable Condo. One of 8 unit building in this project has a fire loss in XXXX. HOA purchased all units from the owners in the amount of XXXX per unit and unit owners moved. HOA does not have plans to rebuild the 8 units and have not amended their legal documents to remove these units. Project currently consists of XXXX units, has XXXX% rentals, XXXX% budgeted reserves and XXXX% single entity ownership. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 12.00<br>Guidelines Representative FICO:XXXX<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-11): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | 75% LTV for cash out non-warrantable condo exceeds allowable. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 12.00<br>Guidelines Representative FICO:XXXX<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-11): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 12.00<br>Guidelines Representative FICO:XXXX<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-11): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118829 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Vested in LLC, lien on title is to the borrower. Note shows a monthly payment however they haven't actually been making payments since its essentially to themselves. Lien is not on credit. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 12.00<br>Guidelines Representative FICO:XXXX<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-24): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118829 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  | XXXX | Reviewer Comment (2025-12-30): Corporate resolution was provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of XXXX% is less than Guideline required borrower's own funds of 5.00%. | Borrower's earnest money and funds to close all coming from gift. | Borrower has verified disposable income of at least XXXX0.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>DTI: 19.77312% <br> Guideline Maximum DTI: 45.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX<br>Housing payment history is 0x30x24 or better | XXXX | Reviewer Comment (2025-12-09): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Borrowers must document a minimum of 5% (of the sales price) of their own funds on purchase transactions. Investment <br> property transactions require all funds come from the borrower. |  |  | XXXX | Reviewer Comment (2025-12-09): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Borrowers must document a minimum of 5% (of the sales price) of their own funds on purchase transactions. Investment <br> property transactions require all funds come from the borrower. |  |  | XXXX | Reviewer Comment (2025-12-09): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrowers must document a minimum of 5% (of the sales price) of their own funds on purchase transactions. Investment <br> property transactions require all funds come from the borrower. |  |  | XXXX | Reviewer Comment (2025-12-09): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Borrowers must document a minimum of 5% (of the sales price) of their own funds on purchase transactions. Investment <br> property transactions require all funds come from the borrower. |  |  | XXXX | Reviewer Comment (2025-12-09): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | No evidence that borrower received a copy of appraisal 3 business days to closing. |  |  | XXXX | Reviewer Comment (2025-11-24): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-11-24): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | No evidence that borrower received a copy of appraisal 3 business days to closing. |  |  | XXXX | Reviewer Comment (2025-12-23): Received appraisal receipt confirmation in trailing docs.<br>Reviewer Comment (2025-11-25): Document provided is invalid because borrower did not indicate an option. Unable to determine if borrower received an appraisal in a timely manner or if they waived their right to receive one. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX%. |  |  | XXXX | Reviewer Comment (2025-12-23): Received appraisal receipt confirmation in trailing docs.<br>Reviewer Comment (2025-11-25): Document provided is invalid because borrower did not indicate an option. Unable to determine if borrower received an appraisal in a timely manner or if they waived their right to receive one. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a single family residence in a rural location having lot size XXXX acres, which is ineligible as per guideline (10 acre limit) | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Client elected to waive with compensating factors.<br>Housing history is 0x30x24 | XXXX | Reviewer Comment (2025-11-21): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | On Provided title preliminary document loan amount is not provided |  |  | XXXX | Reviewer Comment (2025-12-08): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-04): (Rate Lock) please waive<br>Reviewer Comment (2025-12-02): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-02): (Rate Lock) lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per unit water deductible of XXXX, exceeding 5% of the total insured value. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. | XXXX | Reviewer Comment (2025-11-26): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Operating Agreement requires unanimous consent of all managers to incur debt over XXXX. |  |  | XXXX | Reviewer Comment (2025-12-19): Received signed entity cert.<br>Seller Comment (2025-12-17): (Rate Lock) Please see uploaded entity certificate signed by all members of the borrowing entity. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | 4350118469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Sale comp 1 has a net adjustment of XXXX% and Sale comp 5 has a net adjustment of XXXX%. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 9.00<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-08): Client elected to waive with compensating factors.<br>Seller Comment (2025-12-04): (Rate Lock) Please see uploaded exception approval form. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is not provided. |  |  | XXXX | Reviewer Comment (2025-12-01): e Consent was provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Credit | AUS Findings: Reverified Available for Closing discrepancy. | Calculated Reverified Available for Closing of is less than AUS Available for Closing of . | Collateral: Property is a condominium project does not meet guideline requirements<br> Rate Sheet Pricing / Program: Loan amount is less than rate sheet / guideline / program requirements | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: XXXX<br>DTI: 28.85852% <br> Guideline Maximum DTI: 43.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-21): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 80.00000%. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent:XXXX<br> Borrower's Own Funds Amount: XXXX<br>DTI: 28.85852% <br> Guideline Maximum DTI: 43.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-21): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 80.00000%. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: XXXX<br>DTI: 28.85852% <br> Guideline Maximum DTI: 43.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-21): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of XXXX is less than Guideline minimum loan amount of XXXX. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: XXXX<br>DTI: 28.85852% <br> Guideline Maximum DTI: 43.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-21): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: XXXX; Lien Position: 1 | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  | XXXX | Reviewer Comment (2025-12-30): LCA and CU score update per UCDP | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | 4350118693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File missing a verifiable VOM. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-11): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | 4350118663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 12 month VOM not in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-04): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | 4350118663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DSCR is less than the guideline minimum of 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-04): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | 4350118663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX% exceeds Guideline loan to value percentage of 65.00000%. | Max LTV for a DSCR less than 1.00 is 65%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-04): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | 4350118663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 66.79245% exceeds Guideline combined loan to value percentage of 65.00000%. | Max LTV for a DSCR less than 1.00 is 65%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-04): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | 4350118768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | Credit Report: Original // Borrower: XXXX Housing history reflects a total of 1 reported late payments. | Borrower has one 30 days housing late payments in last 12 months | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 30.85537% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-12): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Retirements funds were used in asset depletion calculation where the borrower is not yet XXXX years old (turned XXXX on XXXX). Borrower has XXXX in non-retirement funds. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 30.85537% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-12): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-Warrantable Condo with outstanding/ongoing repairs. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Reserves: XXXX<br> Guideline Requirement: 3.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-11-21): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Transferred appraisal on property in XXXX; not ordered via approved AMC. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Reserves: XXXX<br> Guideline Requirement: 3.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-11-21): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Lender Exception: Lender Approved Qualifying DSCR higher than 1.1 and FICO below XXXX at 80% | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Borrower's Own Funds Percent:XXXX%<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-12-16): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | XXXX | Reviewer Comment (2025-11-24): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-11-24): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | ADU over the garage with no comparable properties with this, ADU/garage on its own parcel, third possible can be easily subdivided and no comps. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 24mo Bank Statement<br> Disposable Income: XXXX<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Combined Loan to Value: 55.55556%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 55.55556%<br> Guideline Maximum Loan to Value: 80.00000%<br>DTI: 25.07751% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-11-21): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. |  |  |  | XXXX | Reviewer Comment (2025-11-28): Provided bank statements in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to insufficient assets for closing and reserves. |  |  | XXXX | Reviewer Comment (2025-11-28): Provided bank statements in trailing docs. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to insufficient assets for closing and reserves. |  |  | XXXX | Reviewer Comment (2025-11-28): Provided bank statements in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Loan file is missing an operating agreement for both businesses to verify borrower(s) ownership percentage. |  |  | XXXX | Reviewer Comment (2025-11-28): Provided bank statements in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to insufficient assets for closing and reserves, as well as verification of percentage of ownership for the borrowers. |  |  | XXXX | Reviewer Comment (2025-11-28): Provided bank statements in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX. | Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX. |  |  | XXXX | Reviewer Comment (2025-11-28): Provided bank statements in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Operating agreement, Third Party Verification | Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX. |  |  | XXXX | Reviewer Comment (2025-11-28): Provided bank statements in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  |  | XXXX | Reviewer Comment (2025-12-30): Note for subject property was provided. | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Investment | Purchase | D B A | N/A | N/A | No |
| XXXX | XXXX | 4350118769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property in Agricultural Zoning. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-22): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | D B A | N/A | N/A | No |
| XXXX | XXXX | 4350118769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural purchase at 85% LTV. | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Guidelines Representative FICO: 680<br> Representative FICO:XXXX<br>Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-22): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | D B A | N/A | N/A | No |
| XXXX | XXXX | 4350118640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7726) | UPDATED COMMENT XXXX\*\*\* Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Sufficient cure is required. |  |  | XXXX | Reviewer Comment (2025-12-23): SitusAMC received Letter of explanation, Corrected Closing disclosure and final settlement ststement.<br>Seller Comment (2025-12-22): (Rate Lock) PCCD and docs provided showing this fee was remvoed<br>Reviewer Comment (2025-12-16): XXXX is the cure needed.<br>Seller Comment (2025-12-16): (Rate Lock) Condition is contradicting in verbiage; please confirm actual cure amount needed.<br>Reviewer Comment (2025-12-15): SitusAMC received rebuttal. However, the reason provided is ot valid as if borrower is allowed to shop for title fees it should have been disclosed under section C of most recent LE. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the title endorsement fee was included in section B while the other title fees were disclosed in sec C of the most recent LE, the consumer was not allowed to shop, and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-12-12): (Rate Lock) Escrow SS printed 11.24 provided and we re-disclosed XXXX<br>Reviewer Comment (2025-12-11): SitusAMC received rebuttal, however we require additional supporting document to verify when lender became aware that borrower shopped for fees. Please provide supporting document to re-evaluate the exception.<br>Seller Comment (2025-12-09): (Rate Lock) We were not made aware until the CD issued that the borrower shopped for fees. No cure needed because we disclosed the best possible information at the time.<br>Reviewer Comment (2025-12-09): XXXX received rebuttal. However, the inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the title endorsement fee was included in section B of the most recent LE, the consumer was not allowed to shop, and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-12-06): (Rate Lock) borrower shopped for fees therefore not held to 10% tolerance | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower having XXXX Overdrafts and XXXX days of negative daily ending balances. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>DTI: 19.11001% <br> Guideline Maximum DTI: 55.00000%<br>Borrower has been employed in the same industry for more than 5 years. | XXXX | Reviewer Comment (2025-12-04): Lender exception withy compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue: Insufficient asset documentation. |  | Provide 30-day bank statement for all asset accounts used to qualify. |  |  | XXXX | Reviewer Comment (2026-01-07): Received bank statements in trailing docs.<br>Seller Comment (2026-01-07): (Rate Lock) Statement provided<br>Reviewer Comment (2025-12-24): Duplicate statement was provided with statement date ending XXXX.<br>Seller Comment (2025-12-19): (Rate Lock) Provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXXX | XXXX | 4350118709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of 660. | Credit score is less than required by Guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Loan to Value: 70.00000%<br> Guideline Maximum Loan to Value: 80.00000% | XXXX | Reviewer Comment (2025-12-05): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unit 2 does not meet the minimum square footage requirement. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Loan to Value: 70.00000%<br> Guideline Maximum Loan to Value: 80.00000% | XXXX | Reviewer Comment (2025-12-05): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118633 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | Borrower: XXXX // Employment Type: Employment / Income Type: Bank Statements / Start Date: XXXX // Document: Other / Document Date: / Tax Year: | Please provide Certificate of incorporation signed and dated document. |  |  | XXXX | Reviewer Comment (2026-01-07): Provided signed and dated Articles of Incorporation in trailing documents.<br>Seller Comment (2026-01-05): (Rate Lock) Doc provided<br>Reviewer Comment (2025-12-02): Please provide certificate of incorporation signed and dated by the borrower. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of 660. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Loan to Value: 60.00000%<br> Guideline Maximum Loan to Value: 75.00000% | XXXX | Reviewer Comment (2025-12-03): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | A signed final 1003 is missing from documents.\*\*\*\*\*\*\*\*\* Updated XXXX- Please correct borrower's employment to reflect the name of the income source. |  |  | XXXX | Reviewer Comment (2026-01-07): Received corrected 1003 in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118868 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the Commitment in file. |  |  |  | XXXX | Reviewer Comment (2026-01-07): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2026-01-07): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. (9300) | Final Lender Credit of XXXX exceeds tolerance of $XXXX. |  |  | XXXX | Reviewer Comment (2025-12-05): SitusAMC received a valid COC.<br>Seller Comment (2025-12-04): (Rate Lock) CIC provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 85.00000% exceeds Guideline loan to value percentage of 80.00000%. | LTV of 85% exceeds guideline max of 80% for a borrower living rent free. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-01): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 85.00000% exceeds Guideline combined loan to value percentage of 80.00000%. | LTV of 85% exceeds guideline max of 80% for a borrower living rent free. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-01): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is 3 unit and one of the units is less than 500 sq ft. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-19): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a rural property with more than 10 acres. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>DTI: 19.46116% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-04): Lender exceptions with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: 9.00<br>Borrower has housing payment history of 0x30x24 or better. | XXXX | Reviewer Comment (2025-12-09): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | 4350118721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Exception request for DSCR score XXXX | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: 6.00

# of Properties Completed: XXXX<br>Combined Loan to Value: 63.69565%<br> Guideline Maximum Combined Loan to Value: 75.00000%<br>Loan to Value: 63.69565%<br> Guideline Maximum Loan to Value: 75.00000%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history 0x30x24 or better | XXXX | Reviewer Comment (2025-12-09): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | 4350118639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | As per 1025 property is tenant occupied hence lease agreement marked as missing as per update. |  |  | XXXX | Reviewer Comment (2025-12-10): Lease agreements provided for both units. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives with her daughter rent free after vacating the subject XXXX. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-10): Client elected to waive with compensating factors.<br>Seller Comment (2025-12-08): (Rate Lock) There is an approved exception for this | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Using 100% of AirDNA income to qualify. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Borrower's Experience/Track Record. Currently holds "4" Properties. | XXXX | Reviewer Comment (2025-11-24): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | DSCR is less than the 1.25 required for STR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Borrower's Experience/Track Record. Currently holds "4" Properties. | XXXX | Reviewer Comment (2025-11-24): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  | XXXX | Reviewer Comment (2025-12-17): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-16): (Rate Lock) lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. |  |  | XXXX | Reviewer Comment (2025-12-17): SitusAMC received valid COC document<br>Seller Comment (2025-12-16): (Rate Lock) CIC provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for borrower living rent-free. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower has owned the subject property for at least 5 years.<br>Reserves:XXXX<br> Guideline Requirement: 6.00<br>Loan to Value: 49.71429%<br> Guideline Maximum Loan to Value: 65.00000% | XXXX | Reviewer Comment (2025-12-22): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118617 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for 2 x 30 mortgage lates in pas 12 months, 3 x 30 total in past 24 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower has owned the subject property for at least 5 years.<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-01): Lender exceptions with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  |  | XXXX | Reviewer Comment (2025-12-05): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Business documents reflect the business issued XXXX shares, however there is no evidence of how many shares each borrower has. Please provide evidence of amount of shares each borrower holds. |  |  | XXXX | Reviewer Comment (2025-12-22): Co Borrower is sole shareholder. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Business documents reflect the business issued XXXX shares, however there is no evidence of how many shares each borrower has. Please provide evidence of amount of shares each borrower holds. |  |  | XXXX | Reviewer Comment (2025-12-22): Co Borrower is sole shareholder. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Business documents reflect the business issued XXXX shares, however there is no evidence of how many shares each borrower has. Please provide evidence of amount of shares each borrower holds. |  |  | XXXX | Reviewer Comment (2025-12-22): Co Borrower is sole shareholder. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | Business documents reflect the business issued XXXX shares, however there is no evidence of how many shares each borrower has. Please provide evidence of amount of shares each borrower holds. |  |  | XXXX | Reviewer Comment (2025-12-22): Co Borrower is sole shareholder. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Business documents reflect the business issued XXXX shares, however there is no evidence of how many shares each borrower has. Please provide evidence of amount of shares each borrower holds. |  |  | XXXX | Reviewer Comment (2025-12-22): .<br>Reviewer Comment (2025-12-22): Co Borrower is sole shareholder. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Comparable adjustments exceed standard. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (2025-12-03): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | 4350118496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal contains high net adjustments. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX<br>The DSCR of XXXX is greater than the guideline minimum of 1.00. | XXXX | Reviewer Comment (2025-12-11): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Short-term rental loan to a first time short-term rental operator utilizing 75% AirDNA for UW income. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX<br>The DSCR of XXXX is greater than the guideline minimum of 1.00. | XXXX | Reviewer Comment (2025-12-11): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 9.00. | Please provide evidence of access to funds for Bank account number ending in #XXXX. |  |  | XXXX | Reviewer Comment (2025-12-15): Received corrected tax amount in trailing docs.<br>Seller Comment (2025-12-15): (Rate Lock) Please see uploaded bank statements used to document available funds, as well as underwriting summary showing our calculations. Borrower presented enough funds to cover all closing costs + XXXX months of PITIA, and bank account is owned by the borrowing entity. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Eligibility | Asset | Borrower has gift funds which are ineligible per guidelines. |  | Gift fund eligible for primary and secondary residences only. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>0x30x24 | XXXX | Reviewer Comment (2025-12-05): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | A B |  | N/A | No |
| XXXX | XXXX | 4350118706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Insurance Verification | Insurance verification for XXXX property missing. |  |  | XXXX | Reviewer Comment (2026-01-07): Insurance doc was provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| XXXX | XXXX | 4350118706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has had XXXX NFS's in the most recent 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI: 24.31001% <br> Guideline Maximum DTI: 55.00000% | XXXX | Reviewer Comment (2025-12-10): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| XXXX | XXXX | 4350118706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (XXXX): Safe Harbor requirements not satisfied. | Subject appraisal does not reflect lender on Note. |  |  | XXXX | Reviewer Comment (2025-12-28): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-24): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| XXXX | XXXX | 4350118706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XXXX | Subject appraisal does not reflect lender on Note. |  |  | XXXX | Reviewer Comment (2025-12-28): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-24): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| XXXX | XXXX | 4350118580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7326) | Loan Originator Compensation increased from XXXX to XXXX, an increase of XXXX, without a valid changed circumstance document in file. No cure provided. |  |  | XXXX | Reviewer Comment (2025-12-11): SitusAMC received valid Changed circumstance.<br>Seller Comment (2025-12-09): (Rate Lock) Borrower requested loan amount increase updated to XXXX, broker comp increased due to loan amount<br> change. Loan has a lender credit of XXXX. Please see attached COC with the change | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval reflecting loan program used to qualify not provided. |  |  | XXXX | Reviewer Comment (2025-12-17): Received guidelines from client.<br>Seller Comment (2025-12-16): (Rate Lock) XXXX emailed the team<br>Reviewer Comment (2025-12-15): Approval showing which matrix was used for qualification was not provided.<br>Seller Comment (2025-12-12): (Rate Lock) XXXX<br>Reviewer Comment (2025-12-11): Approval reflecting loan program used to qualify is still missing.<br>Seller Comment (2025-12-09): (Rate Lock) Please see attached the business license along with the attestation form. Kindly review and clear the conditions | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | Missing CPA license as required by Tax Professional Attestation document. |  |  | XXXX | Reviewer Comment (2025-12-11): Received Tax professional attestation in trailing docs.<br>Seller Comment (2025-12-09): (Rate Lock) Please see attached the business license along with the attestation form. Kindly review and clear the conditions | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing CPA license as required by Tax Professional Attestation document. |  |  | XXXX | Reviewer Comment (2025-12-11): Received Tax professional attestation in trailing docs.<br>Seller Comment (2025-12-09): (Rate Lock) Please see attached the business license along with the attestation form. Kindly review and clear the conditions | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing CPA license as required by Tax Professional Attestation document. |  |  | XXXX | Reviewer Comment (2025-12-11): Received Tax professional attestation in trailing docs.<br>Seller Comment (2025-12-09): (Rate Lock) Please see attached the business license along with the attestation form. Kindly review and clear the conditions | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing CPA license as required by Tax Professional Attestation document. |  |  | XXXX | Reviewer Comment (2025-12-11): Received Tax professional attestation in trailing docs.<br>Seller Comment (2025-12-09): (Rate Lock) Please see attached the business license along with the attestation form. Kindly review and clear the conditions | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing CPA license as required by Tax Professional Attestation document. |  |  | XXXX | Reviewer Comment (2025-12-11): Received Tax professional attestation in trailing docs.<br>Seller Comment (2025-12-09): (Rate Lock) Please see attached the business license along with the attestation form. Kindly review and clear the conditions | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 85.00000% exceeds Guideline loan to value percentage of 80.00000%. |  | Borrower has verified disposable income of at least XXXX0.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (2025-12-03): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 85.00000% exceeds Guideline combined loan to value percentage of 80.00000%. |  | Borrower has verified disposable income of at least XXXX0.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (2025-12-03): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118835 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2026-01-06): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2026-01-05): (Rate Lock) lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Charge-offs / Balance: XXXX, Credit Report: Original // Public Record Type: Charge-offs / Balance: XXXX, Credit Report: Original // Public Record Type: Charge-offs / Balance: XXXX | Charged-Off account have balance of XXXX + XXXX & XXXX total XXXX, without any payment plan or satisfaction of release |  |  | XXXX | Reviewer Comment (2025-12-10): Payoff/wire out confirmation provided for XXXX and XXXX XXXX stay open per guideline (pg#14 secion 5B)<br>Seller Comment (2025-12-08): (Rate Lock) Please see the uploaded, completed payoff for the XXXX account (XXXX charge-off reflected on credit). The XXXX account shows a last activity date of XXXX on the credit report. Under XXXX law, the statute of limitations for credit card debt is five years; please see the attached article for reference. This account is no longer legally enforceable. Per XXXX DSCR guidelines, charge-off accounts greater than 24 months old XXXX remain open with a maximum of XXXX per occurrence. No further action is required for the XXXX charge-off account. | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal utilizes comp sale 1 with a XXXX% net / XXXX% gross adj, comp sale 2 with a XXXX% gross adj / XXXX% net adj, and comp sale 3 with a XXXX% gross adj / XXXX% net adj. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reserves: XXXX<br> Guideline Requirement: 9.00<br>Combined Loan to Value: 65.00000%<br> Guideline Maximum Combined Loan to Value: 75.00000%<br>Loan to Value: 65.00000%<br> Guideline Maximum Loan to Value: 75.00000% | XXXX | Reviewer Comment (2025-12-05): Lender exceptions with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a cash-out refinance of a short-term rental utilizing 75% AirDNA for underwritten income. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reserves: XXXX<br> Guideline Requirement: 9.00<br>Combined Loan to Value: 65.00000%<br> Guideline Maximum Combined Loan to Value: 75.00000%<br>Loan to Value: 65.00000%<br> Guideline Maximum Loan to Value: 75.00000% | XXXX | Reviewer Comment (2025-12-05): Lender exceptions with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan is pending Roof Inspection. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>DTI: 19.48877% <br> Guideline Maximum DTI: 55.00000% | XXXX | Reviewer Comment (2025-12-01): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The appraisal revealed property damage. | Valuation Type: Appraisal / Valuation Report Date: XXXX | Appraisal shows water damage on the ceiling. The appraiser stated a roof inspection was required. |  |  | XXXX | Reviewer Comment (2025-12-08): Client elects to waive.<br>Seller Comment (2025-12-04): (Rate Lock) Please waive<br>Reviewer Comment (2025-12-02): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-02): (Rate Lock) Lender accepts EV2 as roof inspection provided | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is a first-time homebuyer on an investment property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 35.04684% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-08): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 75% of market rents were used for a first-time homebuyer and first-time investor. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 35.04684% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-08): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | DTI allowed 51% vs guideline allowed DTI 50%. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 50.00000%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-16): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118522 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | XXXX SB 1894 | XXXX Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | XXXX - County - Certificate of Compliance or Exemption - SB1894 disclosure is missing. |  |  | XXXX | Reviewer Comment (2026-01-02): Document provided.<br>Seller Comment (2025-12-30): See attached | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal utilizes comparable sale #2 has a net adjustment of +XXXX% and comparable sale #3 has a gross adjustment of XXXX%. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Combined Loan to Value: 62.32295%<br> Guideline Maximum Combined Loan to Value: 75.00000%<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: 1.00<br>Loan to Value: 62.32295%<br> Guideline Maximum Loan to Value: 75.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-09): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 9.00

# of Properties Completed: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-02): Lender exception with compensating factors | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | 4350118454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 9.00

# of Properties Completed: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-02): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | 4350118674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | This is an attached condo unit not being insured under a Master policy as required per section 5.14 of the HOA. The unit owner is insuring the interior and exterior of the subject unit under a HO-3 policy. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: Retirement Income - Fully Verified<br> Disposable Income: XXXX<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>DTI: 12.10227% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-03): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | XXXX Home Loan (Tangible Net Benefit Disclosure Not Provided) | XXXX Home Loan (HB1322): Loan file does not contain a Tangible Net Benefit Disclosure (or similar document). |  |  |  | XXXX | Reviewer Comment (2025-12-09): Client elects to waive.<br>Seller Comment (2025-12-05): (Rate Lock) Lender accepts, please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower only has 1 month receipt of notes receivable income. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: Retirement Income - Fully Verified<br> Disposable Income: XXXX<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX0%<br> Borrower's Own Funds Amount: XXXX<br>DTI: 12.10227% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-03): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per appraiser Subject Property is governed by deed restrictions which guides say is ineligible property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-01): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Final Closing Disclosure provided on XXXX did not disclose the reason the loan will not have an escrow account. |  |  | XXXX | Reviewer Comment (2025-12-11): XXXX Received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-12-10): (Rate Lock) PCCD provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for Subject being a rural property. Guides allow 10 acres and property is XXXX. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>DTI: 38.09047% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-09): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Primary residence history less than 12 months. Exception needed for 6 month primary residence payment history | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-12-24): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Lender Exception to allow 75% LTV with Declining Market. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-05): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower resided in the subject at the time of application. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-05): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-05): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide extension of Loan Agreement dated XXXX, extending Maturity Date through XXXX, or loan is in default for non-payment at Maturity. |  |  | XXXX | Reviewer Comment (2025-12-09): Received extended loan agreement in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | COMMENT UPDATED XXXX \*\*\*\* Loan file is missing a spousal consent form. |  |  | XXXX | Reviewer Comment (2025-12-24): In LLC name.<br>Seller Comment (2025-12-22): (Rate Lock) This closed in a LLC there would be no spouse to sign she was not listed on the prior title so there wouldn't be a reason for spouse to sign<br>Reviewer Comment (2025-12-09): Please provide spousal consent form. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | 4350118832 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Project has staircases listed to be in poor condition. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>DTI: 16.82709% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO:XXXX | XXXX | Reviewer Comment (2026-01-02): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118832 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Subject property has environmental problems noted by appraiser or visible in the photos | Valuation Type: Appraisal / Valuation Report Date: XXXX | Project inspection reflected stairwells rated as poor and marked for immediate repair in other buildings, not the subject's building. Work completion date estimated as XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>DTI: 16.82709% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO:XXXX | XXXX | Reviewer Comment (2026-01-05): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Project in the process of completing their milestone inspection, but the report is not available yet. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Combined Loan to Value: 65.00000%<br> Guideline Maximum Combined Loan to Value: 75.00000%<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: 1.00<br>Loan to Value: 65.00000%<br> Guideline Maximum Loan to Value: 75.00000% | XXXX | Reviewer Comment (2025-11-26): Housing payment history is 0x30x24 or better | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | LTV exceeds allowable for DSCR < 1.0. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-12-02): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%. | CLTV exceeds allowable for DSCR < 1.0. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-12-02): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Borrower does not meet credit score requirement for first time investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-12-02): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non conforming-Zoning description per county means it can be used as residential or agricultural but does not imply that this is currently used as agricultural <br> Appraiser notes the property could be rebuilt with town approval and does not affect value or marketability. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: 1.00 | XXXX | Reviewer Comment (2025-12-01): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraiser is using different property types for the comp choices<br> Comparable 1 has a net adjustment of XXXX%, comparable 3 has a gross adjustment of XXXX% | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: 1.00 | XXXX | Reviewer Comment (2025-12-01): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | Note Date: XXXX; Lien Position: 1 | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  | XXXX | Reviewer Comment (2025-12-05): Received field review which supports the appraised value in trailing docs.<br>Reviewer Comment (2025-12-04): The field review value is more than 5% below the<br> appraised value, a second appraisal is required per the guidelines.<br>Seller Comment (2025-12-03): (Rate Lock) XXXX guidelines state that if CDA variance exceeds 10%, a field review must be ordered and, if the field review value is less than or equal to 5% below the appraised value, the appraised value should be used for LTV calculations. The review appraiser answered "Yes" to Section I #10, indicating the opinion of market value in the appraisal report under review was accurate as of the effective date of the appraisal report. Please clear/waive this condition.<br>Reviewer Comment (2025-12-03): CDA provided shows value XXXX, appraisal value is XXXX. CDA doesn't primary appraisal value.<br>Seller Comment (2025-12-02): (Rate Lock) Please see uploaded appraisal field review report. The review appraiser answered "Yes" to Section I #10, indicating the opinion of market value in the appraisal report under review was accurate as of the effective date of the appraisal report. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | 4350118457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: XXXX; Lien Position: 1 |  |  |  | XXXX | Reviewer Comment (2025-12-05): Received field review which supports the appraised value in trailing docs. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | 4350118845 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-30): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-29): (Rate Lock) EV2 Accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Borrower's Experience/Track Record<br>Miscellaneous | Borrower's Experience/Track Record. The borrower has XXXX Years of Experience.<br>Borrower has housing payment history of 0x30 x24 or better. | XXXX | Reviewer Comment (2026-01-13): Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Reviewer Comment (2025-12-10): Lender exception with compensating factors.<br>Reviewer Comment (2025-12-05): Lender exception provided is for DSCR of XXXX. Calculated DSCR is XXXX. Please provide updated lender exception with more compensating factors. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of 680. | Lender approved an exception for FICO score less than XXXX. | Borrower's Experience/Track Record<br>Miscellaneous | Borrower's Experience/Track Record. The borrower has XXXX Years of Experience.<br>Borrower has housing payment history of 0x30 x24 or better. | XXXX | Reviewer Comment (2026-01-13): Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Reviewer Comment (2025-12-04): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7200) | No cure and no valid COC provided. Provide Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  |  | XXXX | Reviewer Comment (2025-12-08): SitusAMC received a valid COC. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (73109) | No cure and no valid COC provided. No cure and no valid COC provided. Provide Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  |  | XXXX | Reviewer Comment (2025-12-08): SitusAMC received a valid COC. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Cure provided but there is no valid COC provided. |  |  | XXXX | Reviewer Comment (2025-12-08): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-12-05): (Rate Lock) Cure was on the final signed CD | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Borrower has XXXX NSF and XXXX OD in the most recent XXXXmos. Guideline limits us to XXXX over a period of XXXX mos. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-04): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. |  |  | XXXX | Reviewer Comment (2025-12-08): SitusAMC received Letter of Explanation, Payment history and Corrected CD. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118512 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-warrantable condo with roof coverage at ACV vs RCV. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 3.00 | XXXX | Reviewer Comment (2025-12-11): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of 720. |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-04): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-04): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy is not provided. |  |  | XXXX | Reviewer Comment (2025-12-10): Insurance documentation provided.<br>Reviewer Comment (2025-12-05): Unable to confirm policy amount based on insurance declaration page provide. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 80.00000%. | LTV of 90% exceeds guideline max of 80% for a first time homebuyer with no housing payment history. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-11-26): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 80.00000%. | LTV of 90% exceeds guideline max of 80% for a first time homebuyer with no housing payment history. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-11-26): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XXXX | Appraisal completed "subject to repairs", no 442 or other evidence provided. |  |  | XXXX | Reviewer Comment (2026-01-08): Document and LOE received.<br>Seller Comment (2026-01-08): (Rate Lock) Pics and LOE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property has a zoning requirements that does not meet Guidelines (grandfathered use/Legal non-conforming). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | XXXX | Reviewer Comment (2025-12-11): Lender Exception with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Housing History does not meet Guideline requirements. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | XXXX | Reviewer Comment (2025-12-11): Lender Exception with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Origination for DSCR score is under 1. Calculated DSCR is XXXX. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Guidelines Representative FICO: 660<br> Representative FICO: XXXX<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (2025-12-02): Lender exceptions with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. | Additional assets are required to cover reserves requirement of 6 months PITIA. |  |  | XXXX | Reviewer Comment (2025-12-05): Received closing statement showing cash out in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX. | Additional assets are required to cover cash to close requirement of XXXX. Verified assets are XXXX. |  |  | XXXX | Reviewer Comment (2025-12-05): Received closing statement showing cash out proceeds in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date XXXX; Disbursement Date: XXXX; Note Date: XXXX; Transaction Date: XXXX |  |  |  | XXXX | Reviewer Comment (2025-12-05): Received corrected hazard insurance in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the Commitment in file. |  |  |  | XXXX | Reviewer Comment (2025-12-30): Client elects to waive.<br>Seller Comment (2025-12-29): (Rate Lock) EV2 Accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 136.00000% exceeds Guideline loan to value percentage of 75.00000%. | LTV exceeding guideline maximum 75%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-19): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (XXXX): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  | XXXX | Reviewer Comment (2025-12-15): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-12): (Rate Lock) Lender accepts Ev2 please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118839 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower executed Quit Claim deed within 6 months of transaction. Minimum 6 months of ownership is required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-29): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is being sold as a flip. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-04): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the Commitment in file. | The Title Policy Amount of XXXX is less than the note amount of XXXX |  |  | XXXX | Reviewer Comment (2025-12-09): Client elects to waive.<br>Seller Comment (2025-12-05): (Rate Lock) Lender accepts EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (XXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-09): Client elects to waive.<br>Seller Comment (2025-12-05): (Rate Lock) Lender accepts EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus 10% or XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by XXXX due to increase of service fee and addition of Title-Endorsement fee. No valid COC provided, nor evidence of cure in file. |  |  | XXXX | Reviewer Comment (2025-12-15): SitusAMC received Post C and LOX.<br>Seller Comment (2025-12-12): (Rate Lock) loe provided<br>Reviewer Comment (2025-12-11): SitusAMC received corrected PCCD, however we also require LOE which accompanied the PCCD to finalize.<br>Seller Comment (2025-12-10): (Rate Lock) PCCD provided<br>Reviewer Comment (2025-12-09): Post-close CD was not uploaded.<br>Seller Comment (2025-12-09): (Rate Lock) Corrected PCCD provided, as fee clearly was shopped for and not in the correct area. Additionally, borrower shopped for the Survey fee, so no cure is needed.<br>Reviewer Comment (2025-12-08): SitusAMC: Title - Lender's endorsement fee was added is in section B of final CD under borrower cannot shopped for the services section and Land survey fee increase of XXXX from XXXX without valid COC, this is causing to the fees are exceeds over 10% tolerance. Provide valid COC for the endorsement fee added and survey fee increased in Final CD or Cure would be due to borrower.<br>Seller Comment (2025-12-05): (Rate Lock) Borrower shopped for fees therefore not held to 10% and no cure needed | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. |  |  |  | XXXX | Reviewer Comment (2025-12-12): Exception was provided for insufficient reserve.<br>Seller Comment (2025-12-10): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reserve requirement not met. Borrower does not have the required 6 months reserves. |  |  | XXXX | Reviewer Comment (2025-12-12): Exception was provided for insufficient reserve.<br>Seller Comment (2025-12-10): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reserve requirement not met. Borrower does not have the required 6 months reserves. |  |  | XXXX | Reviewer Comment (2025-12-12): Exception was provided for insufficient reserve.<br>Seller Comment (2025-12-10): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 85.00000%. | LTV of 90% exceeds the max of 85% for a property in a declining market. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-04): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 85.00000%. | LTV of 90% exceeds the max of 85% for a property in a declining market. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-04): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  | XXXX | Reviewer Comment (2025-12-22): SitusAMC received XXXX Initial CD, 3 business days prior to the consummation. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. (9300) | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. |  |  | XXXX | Reviewer Comment (2025-12-22): SitusAMC received XXXX Initial CD with valid changed circumstance.<br>Seller Comment (2025-12-19): (Rate Lock) Lock confirmation provided showing pricing adjustments<br>Reviewer Comment (2025-12-18): SitusAMC received COC dated XXXX which was already in file but the decrease of lender credit is not proportionate to the decrease in loan amount. Moreover, when loan amount changes the lender credit change should be proportionate to the loan amount change, and if change is not proportionate there should be additional information that explains change in borrower eligibility change such as did not qualify for current product, or DTI increased, or FICO score decreased. Though an LTV XXXX change, the information did not state that there was a pricing/product/program change. Provide supporting document with additional information for pricing decreased or Cure would be due to borrower. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. |  |  | XXXX | Reviewer Comment (2025-12-18): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-12-18): (Rate Lock) CIC provided<br>Seller Comment (2025-12-18): (Rate Lock) This was applied at closing | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  | XXXX | Reviewer Comment (2025-12-22): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Missing Final 1003 loan application. |  |  | XXXX | Reviewer Comment (2025-12-30): Received final 1003 in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | No evidence that borrower received a copy of appraisal 3 business days to closing. |  |  | XXXX | Reviewer Comment (2025-12-30): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-29): (Rate Lock) E2 ACCEPT please clear | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | XXXX Prepayment Penalty Test | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of XXXX. Prepay language states prepay will not exceed maximum permitted by applicable law. | No prepayment penalties are permissible in the state of XXXX. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  | XXXX | Reviewer Comment (2025-12-30): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-29): (Rate Lock) E2 ACCEPT please clear | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118521 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: XXXX | Borrower is a first-time homebuyer and ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO:XXXX | XXXX | Reviewer Comment (2025-12-12): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: XXXX | Subject property is a condo. Missing lender attestation confirming condo warrantability. |  |  | XXXX | Reviewer Comment (2025-12-22): Non warrantable condo.<br>Seller Comment (2025-12-18): (Rate Lock) condo docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits was last disclosed as $XXXX on but disclosed as XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  | XXXX | Reviewer Comment (2025-12-18): SitusAMC received a valid COC.<br>Seller Comment (2025-12-18): (Rate Lock) LC provided showing change in DTI and property type showing as Condo | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points was last disclosed as XXXX but disclosed as XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  | XXXX | Reviewer Comment (2025-12-18): SitusAMC received a valid COC.<br>Seller Comment (2025-12-18): (Rate Lock) LC provided showing change in DTI and property type showing as Condo | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has less than a 2 year work history with current company. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-15): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan file missing verification that B1 is 50% owner of the business. Provide third party verification of ownership dated within 120 days of the Note or provide updated 1003 and1008 reflecting corrected income and DTI. |  |  | XXXX | Reviewer Comment (2026-01-08): Received updated 1008 in trailing docs.<br>Seller Comment (2026-01-07): (Rate Lock) BW1 should not have any income and the XXXX is an installment loan so this will bring the DTI to 39.55<br>Reviewer Comment (2025-12-30): Document provided did not disclose B1's business ownership percentage. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan file missing verification that B1 is 50% owner of the business. Provide third party verification of ownership dated within 120 days of the Note or provide updated 1003 and1008 reflecting corrected income and DTI. |  |  | XXXX | Reviewer Comment (2026-01-08): B1's income was no longer being used to qualify.<br>Seller Comment (2026-01-07): (Rate Lock) BW1 should not have any income and the XXXX is an installment loan so this will bring the DTI to 39.55<br>Reviewer Comment (2025-12-30): Document provided did not disclose B1's business ownership percentage. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (XXXX): Unable to verify current employment status using reasonably reliable third-party records. (XXXX/Bank Statements) | Loan file missing verification that B1 is 50% owner of the business. Provide third party verification of ownership dated within 120 days of the Note or provide updated 1003 and1008 reflecting corrected income and DTI. |  |  | XXXX | Reviewer Comment (2026-01-08): B1's income was no longer being used to qualify.<br>Seller Comment (2026-01-07): (Rate Lock) BW1 should not have any income and the XXXX is an installment loan so this will bring the DTI to 39.55<br>Reviewer Comment (2025-12-30): Document provided did not disclose B1's business ownership percentage. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX): General Ability-to-Repay requirements not satisfied. | Loan file missing verification that B1 is 50% owner of the business. Provide third party verification of ownership dated within 120 days of the Note or provide updated 1003 and1008 reflecting corrected income and DTI. |  |  | XXXX | Reviewer Comment (2026-01-08): B1's income was no longer being used to qualify. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 9.00. | File is missing verification of 9 months reserves. |  |  | XXXX | Reviewer Comment (2025-12-09): Received proof of business use of funds in trailing docs.<br>Seller Comment (2025-12-08): (Rate Lock) Please see uploaded certificate of ownership for this sole proprietorship. Guarantor is the sole owner of the account, qualifying the use of these business funds to cover reserves.<br>Reviewer Comment (2025-12-08): Please provide evidence of 100% use of business funds for the XXXX account ending in #XXXX.<br>Seller Comment (2025-12-04): (Rate Lock) Please see uploaded underwriting summary showing liquid assets. 9 months of PITIA payments = XXXX, liquid assets are well above the requirement. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | 4350118737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Personal Bank statements show joint. Other person is not on the loan. Exception for All parties listed on each bank account must be included as borrowers on the loan | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>DTI: 33.21132% <br> Guideline Maximum DTI: 45.00000% | XXXX | Reviewer Comment (2025-12-10): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification of the borrower's business within 120 days prior to closing not provided. |  |  | XXXX | Reviewer Comment (2025-12-05): Received business entity search in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Verification of the borrower's business within 120 days prior to closing not provided. |  |  | XXXX | Reviewer Comment (2025-12-05): Received business entity search in trailing docs. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (XXXX): Unable to verify current employment status using reasonably reliable third-party records. (XXXX/Bank Statements) | Verification of the borrower's business within 120 days prior to closing not provided. |  |  | XXXX | Reviewer Comment (2025-12-05): Received business entity search in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Verification of the borrower's business within 120 days prior to closing not provided. |  |  | XXXX | Reviewer Comment (2025-12-05): Received business entity search in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX): General Ability-to-Repay requirements not satisfied. | Verification of the borrower's business within 120 days prior to closing not provided. |  |  | XXXX | Reviewer Comment (2025-12-05): Received business entity search in trailing docs. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Closing Disclosure XXXX not provided to Borrower(s) at least three (3) business days prior to closing |  |  | XXXX | Reviewer Comment (2025-12-04): SitusAMC received initial CD dated XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Verification of the borrower's business within 120 days prior to closing not provided. |  |  | XXXX | Reviewer Comment (2025-12-05): Received business entity search in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The 1003 is missing the borrower's self employment information. Please provide updated 1003. |  |  | XXXX | Reviewer Comment (2025-12-05): Received complete final 1003 in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is a first time investor currently renting an RV in an RV park in another state. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-03): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DSCR is less then 1.00 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-03): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient XXXX |  |  | XXXX | Reviewer Comment (2025-12-04): RCE was provided<br>Seller Comment (2025-12-04): (Rate Lock) RCE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has XXXX NSF within last 12 months. Guideline allows maximum XXXX NSF within last 12 months. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-12-15): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Gift funds were used in investment property, guideline does not allow gift funds in investment property. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (2025-12-15): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX. | Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX. Please provide other verifiable assets as well as source of funds for the EMD and Gift letter. |  |  | XXXX | Reviewer Comment (2025-12-29): Updated 1003 and 1008 were provided.<br>Seller Comment (2025-12-24): (Rate Lock) Docs provided<br>Reviewer Comment (2025-12-22): Provide updated 1003 and 1008 reflecting additional assets.<br>Reviewer Comment (2025-12-22): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX.<br>Reviewer Comment (2025-12-22): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX.<br>Seller Comment (2025-12-18): (Rate Lock) Docs provided<br>Reviewer Comment (2025-12-12): Docs received are not sufficient to satisfy the reserves requirements. Source of funds for gift letter was not provided.<br>Seller Comment (2025-12-12): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | 4350118492 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property being a log home type design. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-02): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118492 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  | XXXX | Reviewer Comment (2025-12-04): Trail doc was provided<br>Seller Comment (2025-12-04): (Rate Lock) Please see uploaded LLC resolution. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Cash out when property was purchased less than 6 months. Property was recently renovated and we are paying off a builder. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-11): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-11): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower not provided in file. |  |  | XXXX | Reviewer Comment (2026-01-06): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2026-01-05): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118520 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 not provided. |  |  | XXXX | Reviewer Comment (2025-12-24): Initial 1003 received.<br>Seller Comment (2025-12-22): See attached initial URLA | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118867 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XXXX | Lender on Appraisal differs from the Note. Appraisal transfer letter was not provided. |  |  | XXXX | Reviewer Comment (2026-01-07): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2026-01-07): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unit 3 is XXXX sq ft which is less than the 500 sq ft minimum. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-12): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 90 LTV for an interested party transaction where the seller is representing himself as the realtor. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>0x30x24 | XXXX | Reviewer Comment (2025-12-18): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraiser gave XXXXk value to the barn according the comparable grid. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>0x30x24 | XXXX | Reviewer Comment (2025-12-18): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXX) | No evidence of secondary appraisal being sent to borrower 3 days prior to closing. |  |  | XXXX | Reviewer Comment (2026-01-02): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-31): (Rate Lock) there is no second appraial , please review and apply EV2 Exception<br>Reviewer Comment (2025-12-29): This exception is for the secondary appraisal with report date of XXXX. Exception cannot be cleared, please confirm the exception should be waived.<br>Seller Comment (2025-12-29): (Rate Lock) The appraisal dated XXXX and the proof of delivery was on XXXX which is three days after and the Note dated XXXX which is more than the three days . Please review and applay EV2 to clear | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Maximum LTV/CLTV for Investment Property Rate and Term refinances is 75%. The subject loan LTV/CLTV is 80%. | Borrower has verified disposable income of at least XXXX0.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-29): Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Seller Comment (2025-12-29): (Rate Lock) Please see attched exception request | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%. | Maximum LTV/CLTV for Investment Property Rate and Term refinances is 75%. The subject loan LTV/CLTV is 80%. | Borrower has verified disposable income of at least XXXX0.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-29): Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Seller Comment (2025-12-29): (Rate Lock) Please see attched exception request | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a log cabin which is a unique property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-18): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is on XXXX acres which exceeds the guideline max of 10. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-18): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-18): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%. | LTV of 75% exceeds max of 65% for a loan with a DSCR less than 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-18): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 65.00000%. | LTV of 75% exceeds max of 65% for a loan with a DSCR less than 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-18): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Does not meet requirements of the Private Note Modification where borrower was supposed to pay XXXX by XXXX. Email from Private lender states 50K payment was not paid as they are planning to pay off the entire loan with this new loan and they accepted this plan without requiring a new modification. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO:XXXX | XXXX | Reviewer Comment (2025-12-11): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD or Closing statement document is missing in this file. |  |  | XXXX | Reviewer Comment (2025-12-24): Closing Statement provided.<br>Seller Comment (2025-12-23): (Rate Lock) Final closing statement provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | 4350118746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-30): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-29): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Tax Verification |  |  |  | XXXX | Reviewer Comment (2026-01-02): 1103 and 1105 are on the same parcel.<br>Reviewer Comment (2025-12-30): Tax verification provided is not for the subject property. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-08): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Exception request for LTV 80% | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: 1.00 | XXXX | Reviewer Comment (2025-12-22): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%. | Exception request for CLTV 80% | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: 1.00 | XXXX | Reviewer Comment (2025-12-22): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower hasn't owned subj property for 6 months for cash out refinance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Loan to Value: 58.33200%<br> Guideline Maximum Loan to Value: 75.00000% | XXXX | Reviewer Comment (2025-12-23): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Guidelines require a 12 month mortgage history on the subject property. Documentation missing from the loan file. |  |  | XXXX | Reviewer Comment (2025-12-15): Subject property has been free and clear. for a year.<br>Seller Comment (2025-12-11): (Rate Lock) N/A - This property was owned free and clear, please see uploaded title commitment. | XXXX | XXXX | XXXX | 1 C A D | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | 4350118752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the Commitment in file. | The Title Policy Amount of XXXX is less than the note amount of XXXX. |  |  | XXXX | Reviewer Comment (2025-12-30): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-29): (Rate Lock) EV2 Accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Current lease was not provided. |  |  | XXXX | Reviewer Comment (2025-12-30): Received lease agreement in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower already has lease in place beginning XXXX. Use of higher lease figure instead of 1007 with receipt of security deposit and first months rent. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. | Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-24): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | XXXX Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | XXXX Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | XXXX | Reviewer Comment (2025-12-30): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-29): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (XXXX) | Appraisal Fee was last disclosed as XXXX on LE but disclosed as XXXX on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  | XXXX | Reviewer Comment (2025-12-18): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Credit Report Fee was last disclosed as XXXX on LE but disclosed as XXXX on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  | XXXX | Reviewer Comment (2025-12-18): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Transfer Tax was last disclosed as XXXX on LE but disclosed as $XXXX on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  | XXXX | Reviewer Comment (2025-12-18): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | LTV exceeds maximum for rural cash out of 70% LTV. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has been employed in the same industry for more than 5 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-19): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | XXXX overdrafts within the last 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has been employed in the same industry for more than 5 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-19): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | LTV of 80% exceeds the maximum guideline requirement of 75%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-23): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. (9300) | Final Lender Credit decreased from $XXXX to XXXX without a valid change of circumstance. Cure was not provided at closing. |  |  | XXXX | Reviewer Comment (2025-12-17): SitusAMC received COC and rate lock to verify change in pricing.<br>Seller Comment (2025-12-16): (Rate Lock) lock confirmation provided<br>Reviewer Comment (2025-12-15): SitusAMC: The COC that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on why the pricing was changed to decrease the lender credit. Provide additional information to support a pricing change for the lender credit decrease or cure would be due.<br>Seller Comment (2025-12-12): (Rate Lock) CIC docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 80.00000%. | LTV of 90% exceeds guideline max of 80% for a borrower without a 12 month housing history. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has worked in the same position for more than 3 years.<br>DTI: 28.75447% <br> Guideline Maximum DTI: 43.00000% | XXXX | Reviewer Comment (2025-12-11): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 80.00000%. | LTV of 90% exceeds guideline max of 80% for a borrower without a 12 month housing history. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has worked in the same position for more than 3 years.<br>DTI: 28.75447% <br> Guideline Maximum DTI: 43.00000% | XXXX | Reviewer Comment (2025-12-11): Client elected to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the Commitment in file. | Title Policy coverage is XXXX less than Original loan amount is XXXX. |  |  | XXXX | Reviewer Comment (2026-01-08): Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Seller Comment (2026-01-07): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | XXXX months evidence of receipt on a short-term rental when 12-months is required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2026-01-05): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2026-01-05): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2026-01-05): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Loan file missing percentage of ownership. |  |  | XXXX | Reviewer Comment (2025-12-22): Operating agreement was provided.<br>Seller Comment (2025-12-19): (Rate Lock) operating agreement provided | XXXX | XXXX | XXXX | 1 C A D | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | 4350118749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Loan file missing Corporate Resolution signed by other Member. |  |  | XXXX | Reviewer Comment (2025-12-22): Operating agreement was provided.<br>Seller Comment (2025-12-19): (Rate Lock) operating agreement provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | 4350118784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address:XXXX Insurance Verification | Unable to verify monthly insurance/other payment in the amount of XXXX |  |  | XXXX | Reviewer Comment (2026-01-08): Received REO docs in trailing docs.<br>Seller Comment (2026-01-05): (Rate Lock) Mortgage is paid by business and HOI is escrowed with the payment, attached supporting docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Lease Agreement | Unable to verify monthly lease for XXXX |  |  | XXXX | Reviewer Comment (2026-01-08): Received REO docs in trailing docs.<br>Seller Comment (2026-01-05): (Rate Lock) Attached operating agreement and XXXX statement to support the rental income. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | 4350118840 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of number of shares the borrower holds. |  |  | XXXX | Reviewer Comment (2026-01-07): Received bylaws showing borrower owns 100% in trailing docs.<br>Seller Comment (2026-01-07): (Rate Lock) Bylaws provided confirming 100% ownership | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | 4350118488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Excessive Comparable adjustments. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | DSCR > 1 | XXXX | Reviewer Comment (2025-12-19): Lender Exception with Comp Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | No insurance policies could be acquired, whether it be the in place or a quote, to allow for full replacement cost for roof repairs beyond 15 years from the original policy. Payment for roof repairs is reduced to a payment schedule after year 15. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 9.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-11): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.25. | Cash-out refinance of a short-term rental to a first time short-term rental operator utilizing 75% AirDNA resulting in a DSCR<1.25. |  |  | XXXX | Reviewer Comment (2025-12-15): Lender approved exception was provided.<br>Seller Comment (2025-12-12): (Rate Lock) Please see uploaded exception approval form. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Comparable 2 has excessive adjustments. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | Reviewer Comment (2025-12-17): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is a first time investor which does not allow for short term rental income. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | Reviewer Comment (2025-12-17): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Agricultural zoned properties are ineligible. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | Reviewer Comment (2025-12-17): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is not provided. |  |  | XXXX | Reviewer Comment (2026-01-06): Fraud report was provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX | Fraud Report document is not provided. |  |  | XXXX | Reviewer Comment (2026-01-06): Fraud report was provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower not provided in file. |  |  | XXXX | Reviewer Comment (2026-01-06): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2026-01-05): (Rate Lock) EV2 accept, please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | LTV of 80% exceeds the guideline max of 75 for a property in a declining market. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 27.09741% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-30): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%. | LTV of 80% exceeds the guideline max of 75 for a property in a declining market. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 27.09741% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-30): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | No evidence that borrower received a copy of appraisal 3 business days to closing. |  |  | XXXX | Reviewer Comment (2026-01-06): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2026-01-05): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  | XXXX | Reviewer Comment (2026-01-06): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2026-01-05): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Insurance Verification, Tax Verification | Insurance Verification and Tax Verification is missing for XXXX. |  |  | XXXX | Reviewer Comment (2026-01-07): Received REO documents in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification and Tax Verification is missing for XXXX. |  |  | XXXX | Reviewer Comment (2026-01-07): Received REO documents in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Insurance Verification, Tax Verification | Insurance Verification and Tax Verification is missing for XXXX. |  |  | XXXX | Reviewer Comment (2026-01-07): Received REO documents in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.60718% exceeds Guideline loan to value percentage of 75.00000%. | Property recently listed. LTV reduced by XXXX% causes excessive LTV. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>DTI: 27.03589% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-30): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.60718% exceeds Guideline combined loan to value percentage of 75.00000%. | Property recently listed. LTV reduced by XXXX% causes excessive CLTV. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>DTI: 27.03589% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-30): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | 4350118484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in the file. |  |  | XXXX | Reviewer Comment (2025-12-24): Background Check provided.<br>Seller Comment (2025-12-23): (Rate Lock) Please see uploaded CLEAR background / fraud report. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | 4350118484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report is missing in the file. |  |  | XXXX | Reviewer Comment (2025-12-24): Credit Report provided.<br>Seller Comment (2025-12-23): (Rate Lock) Please see uploaded credit report. | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | 4350118484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in the file. |  |  | XXXX | Reviewer Comment (2025-12-24): Background Check provided.<br>Seller Comment (2025-12-23): (Rate Lock) Please see uploaded CLEAR background / fraud report. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | 4350118484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing in the file. |  |  | XXXX | Reviewer Comment (2025-12-24): Background Check provided.<br>Seller Comment (2025-12-23): (Rate Lock) Please see uploaded CLEAR background / fraud report. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | 4350118484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided |  | Track Record Report is missing in the file. |  |  | XXXX | Reviewer Comment (2025-12-24): Final 1003 provided and Background Check.<br>Seller Comment (2025-12-23): (Rate Lock) Please see uploaded final application. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | 4350118484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: XXXX | OFAC is missing in the file. |  |  | XXXX | Reviewer Comment (2025-12-24): Background Check provided.<br>Seller Comment (2025-12-23): (Rate Lock) Please see uploaded CLEAR background / fraud report. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | 4350118484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: XXXX | OFAC is missing in the file. |  |  | XXXX | Reviewer Comment (2025-12-24): Background Check provided.<br>Seller Comment (2025-12-23): (Rate Lock) Please see uploaded CLEAR background / fraud report. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | 4350118484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal that utilizes aged comps and also large gross adjustments. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Compensating Factors provided for Lender Exception.<br>Compensating Factors provided for Lender Exception. | XXXX | Reviewer Comment (2025-12-22): Compensating Factors provided for Lender Exception. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | 4350118748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | XXXX | Reviewer Comment (2025-12-30): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-29): (Rate Lock) EV2 Accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lease not executed as required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-12-19): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118844 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | XXXX | Reviewer Comment (2026-01-06): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2026-01-05): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118844 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-31): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Sufficient cure was provided to the borrower at Closing. |  |  | XXXX | Reviewer Comment (2026-01-02): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118481 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.25. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | 5% below Guidelines | XXXX | Reviewer Comment (2025-12-19): Lender Exception with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118481 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Use of 100% AirDNA for a borrower without 12-month STR experience exceeds guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | 5% below Guidelines | XXXX | Reviewer Comment (2025-12-19): Lender Exception with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is SFD with ADU (in basement) same sq ft as main house. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 9.00<br>Combined Loan to Value: 64.45783%<br> Guideline Maximum Combined Loan to Value: 75.00000%<br>Loan to Value: 64.45783%<br> Guideline Maximum Loan to Value: 75.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2026-01-08): Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Seller Comment (2026-01-05): (Rate Lock) Guidelines do not indicate that the ADU must be a certain square ft area, so the fact that was same size as first floor should not be an issue | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Need for paying off a 2nd mortgage not seasoned for 6 months (6 months seasoning not until after XXXX). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 9.00<br>Combined Loan to Value: 64.45783%<br> Guideline Maximum Combined Loan to Value: 75.00000%<br>Loan to Value: 64.45783%<br> Guideline Maximum Loan to Value: 75.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2026-01-08): Lender Exception with Compensating Factors provided. Downgraded and Waived.<br>Seller Comment (2026-01-05): (Rate Lock) there was no recorded 2nd mortgage on the subject property so therefore not included in the transaction (nor paid off at closing). | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  | XXXX | Reviewer Comment (2025-12-24): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-23): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Zero Percent Fee Tolerance was exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. |  |  | XXXX | Reviewer Comment (2025-12-24): SitusAMC received a valid COC.<br>Seller Comment (2025-12-23): (Rate Lock) Invoice provided shows addt fee due to trip research, lender made aware XXXX and re-disclosed XXXX which was within 3 days | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject has Highway Commercial zoning (Per Present Land Use only 5% is commercial). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-29): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118518 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: XXXX | Non warrantable condo with no reserve allocation, Roof insured at ACV vs RCV and outstanding repairs | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Documentation Type: 2yr P&L w/o Bank Statements<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>DTI: 15.32980% <br> Guideline Maximum DTI: 43.00000% | XXXX | Reviewer Comment (2025-12-23): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118518 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Association has outstandig repairs resulting from building recertification. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Documentation Type: 2yr P&L w/o Bank Statements<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>DTI: 15.32980% <br> Guideline Maximum DTI: 43.00000% | XXXX | Reviewer Comment (2025-12-23): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Hazard coverage reflects ACV (actual cash value) on roofs per master insurance policy. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-24): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for Multiple active loans to borrower with aggregate of loans exceeding 2.5M. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>DTI: 26.11191% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-24): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Comp sale 3 and comp sale 4 have excessive adjustments. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-18): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.25. | Use of short term rental requires a DSCR of 1.25. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-18): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | Subject is a log home which is ineligible. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-18): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is zoned Agricultural which is ineligible per Guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-18): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Credit supplement shows 2x30x12 mortgage lates (XXXX). | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-23): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118517 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non warrantable condo- HOA shows recommend repairs to balconies but doesn't affect safety/soundness. Estimate not available yet as HOA still taking bids, Reserve balance of XXXX MM. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 3.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Combined Loan to Value: 56.52174%<br> Guideline Maximum Combined Loan to Value: 75.00000%<br>Loan to Value: 56.52174%<br> Guideline Maximum Loan to Value: 75.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-29): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | XXXX NSF and XXXX overdrafts within 12 months period exceeds maximum permitted per guideline, | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 100.00%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-23): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | Non QM | N/A | No |
| XXXX | XXXX | 4350118785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | Loan file missing third party verification that the borrower has been self employed and that the business has been open for 2 years, as well as verification the business is open and active, dated within 120 days of the Note date. \*\*\*\* UPDATED XXXX\*\*\* Document provided is not dated pre-close. Please provide pre-close document or history/verification document was pulled pre-close. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 100.00%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2026-01-14): Lender Exception with Compensating Factors provided. Downgraded and Waived. Business bank statements dated within 120 days prior to note date. CPA letter dated same month as closing.<br>Reviewer Comment (2026-01-13): Third party verification provided is not dated within 120 days of note date. Exception remains.<br>Reviewer Comment (2026-01-07): Third party verification was provided.<br>Seller Comment (2026-01-05): (Rate Lock) Doc provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A | Non QM | N/A | No |
| XXXX | XXXX | 4350118853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: XXXX | Exception request for Non-Warrantable Condo. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 23.95547% <br> Guideline Maximum DTI: 43.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-30): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2026-01-06): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2026-01-05): (Rate Lock) Proof borrower received prior to 3 days of closing | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated XXXX disclosed an inaccurate APR of XXXX% compared to the actual APR at consummation of XXXX% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Verification disclosure was delivered to borrower 3 business days prior to closing was not provided. |  |  | XXXX | Reviewer Comment (2026-01-06): SitusAMC received XXXX CD and proof of earlier electronic receipt in file.<br>Seller Comment (2026-01-05): (Rate Lock) CIC provided for APR from XXXX which is 3 business days prior to close XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a 2-unit condo project where the HOA does not insure any of the units as required. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 23.95547% <br> Guideline Maximum DTI: 43.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-30): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 80.00000%. | LTV of 90% exceeds guideline maximum of 80% for a borrower without a verifiable 12-month housing history. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 23.95547% <br> Guideline Maximum DTI: 43.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-30): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of XXXX% is less than Guideline required borrower's own funds of 10.00%. | Guidelines require borrower's own funds of 10% for a borrower without a 12-month verifiable housing history. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 23.95547% <br> Guideline Maximum DTI: 43.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO:XXXX | XXXX | Reviewer Comment (2025-12-30): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 80.00000%. | LTV of 90% exceeds guideline maximum of 80% for a borrower without a verifiable 12-month housing history. | Borrower has verified disposable income of at least XXXX0.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 23.95547% <br> Guideline Maximum DTI: 43.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO:XXXX | XXXX | Reviewer Comment (2025-12-30): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. |  |  | XXXX | Reviewer Comment (2026-01-06): SItusAMC received COC dated XXXX for change in pricing and compensation plan.<br>Seller Comment (2026-01-05): (Rate Lock) Email from LD shows change in pricing due to switch to BPC. The LO requested the change and we re-disclosed | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (73109) | Mortgage Broker Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. |  |  | XXXX | Reviewer Comment (2026-01-06): SItusAMC received COC dated XXXX for change in pricing and compensation plan.<br>Seller Comment (2026-01-05): (Rate Lock) Email from LD shows change in pricing due to switch to BPC. The LO requested the change and we re-disclosed | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | No housing expenses with an LTV of 90%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>DTI: 34.57258% <br> Guideline Maximum DTI: 45.00000% | XXXX | Reviewer Comment (2025-12-29): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Transition from personal to business bank statements used for income. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>DTI: 34.57258% <br> Guideline Maximum DTI: 45.00000% | XXXX | Reviewer Comment (2025-12-29): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DSCR score below 1.0 at XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-23): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118516 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (XXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | XXXX | Reviewer Comment (2025-12-24): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2025-12-23): Please waive EV 2 and clear | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118516 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a Log home and there are no like comps. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 12.20768% <br> Guideline Maximum DTI: 50.00000%<br>Reserves: XXXX<br> Guideline Requirement: 9.00<br>Guidelines Representative FICO: 700<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-22): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118864 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXX) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  | XXXX | Reviewer Comment (2026-01-07): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2026-01-07): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property square footage doesn't meet guideline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-31): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118865 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (XXXX): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Note Rate was used at Origination to qualify the borrower, yet Fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period is required by ATR. |  |  | XXXX | Reviewer Comment (2026-01-08): Client accepts EV2 Grade and elects to Waive.<br>Seller Comment (2026-01-07): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118838 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DSCR Score less than 1 and Lender exception document associated into clarity. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 100.00%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2026-01-02): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | 4350118860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject transaction is a cash-out refinance and there was a cash-out refinance on the property on XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. | XXXX | Reviewer Comment (2026-01-06): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject does not meet seasoning requirements for a cash-out refinance as the property has been owned for less than 6 months. Subject was purchased on XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. | XXXX | Reviewer Comment (2026-01-06): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property design style is rancher log which is an ineligible property type. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. | XXXX | Reviewer Comment (2026-01-06): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | 4350118866 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | Borrower has owned the subject property for at least 5 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (2026-01-05): Reserves: XXXX<br> Guideline Requirement: 6.00 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | 4350118856 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 80.00000%. | LTV of 90% exceeds max of 80% for a rural property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX<br>Housing payment history is 0x30x24 or better | XXXX | Reviewer Comment (2026-01-06): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118856 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 80.00000%. | LTV of 90% exceeds max of 80% for a rural property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 43.35%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX<br>Housing payment history is 0x30x24 or better | XXXX | Reviewer Comment (2026-01-06): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Incomplete Document: Note - Subject Lien is incomplete |  | Signed Note document is not provided. |  |  | XXXX | Reviewer Comment (2025-12-29): Corrected subj. Note was provided.<br>Seller Comment (2025-12-26): Note | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| XXXX | XXXX | 4350118519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final document is not provided. |  |  | XXXX | Reviewer Comment (2025-12-29): Clear corrected 1003 was provided<br>Seller Comment (2025-12-26): Final 1003 | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| XXXX | XXXX | 4350118519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | Signed Security Instrument is not signed. |  |  | XXXX | Reviewer Comment (2025-12-29): Security instrument provided<br>Seller Comment (2025-12-26): Mortgage | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| XXXX | XXXX | 4350118519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non Warrantable condo- Maintenance repairs are on hold. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2025-12-24): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| XXXX | XXXX | 4350118519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (XXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Right to Receive Copy of Appraisal disclosure is not provided. |  |  | XXXX | Reviewer Comment (2025-12-29): Disclosure summary provided.<br>Seller Comment (2025-12-26): Disclosure<br>Seller Comment (2025-12-26): Logan Finance utilize a Business Purpose Disclosure that includes ECOA Right to Receive copy of the appraisal. Providing XXXX Disclosure Tracking Details report confirming this disclosure was emailed to borrower within 3 days of application and a copy of this disclosure. | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| XXXX | XXXX | 4350118519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Closing disclosure document is not provided. |  |  | XXXX | Reviewer Comment (2025-12-29): Final CD was provided.<br>Seller Comment (2025-12-26): Final CD | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| XXXX | XXXX | 4350118519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | Note Interest Accrual Start Date | Disbursement Date is missing. Unable to determine Interest Accrual Start Date from the Note due to missing information. |  |  |  | XXXX | Reviewer Comment (2025-12-29): Disbursement date updated | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| XXXX | XXXX | 4350118519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XXXX used as disbursement date for compliance testing. | Closing disclosure is not provided. |  |  | XXXX | Reviewer Comment (2025-12-29): Final CD was provided.<br>Seller Comment (2025-12-26): Final CD | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| XXXX | XXXX | 4350118857 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: XXXX<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | Reviewer Comment (2026-01-06): Lender Exception with Compensating Factors provided. Downgraded and Waived. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | #N/A | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: XXXX; Lien Position: 1 |  |  |  | XXXX | Reviewer Comment (2025-12-10): Received AVM. Condition cleared.<br>Buyer Comment (2025-12-10): See secondary valuation. It supports the appraisal value.<br>Reviewer Comment (2025-12-10): Provide secondary valuation<br>Buyer Comment (2025-12-09): Seller rebuttal<br>Reviewer Comment (2025-12-09): Reviewed. Loan is to be securitized. Secondary valuation is missing. Exception remains. | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
| XXXX | XXXX | #N/A | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXXX // Account Type: Savings / Account Number:XXXX // Account Type: Checking / Account Number: XXXX | Only 1 month statement provided for depository accounts, 2 months statements required as per guidelines. |  |  | XXXX | Reviewer Comment (2025-12-09): Document provided.<br>Reviewer Comment (2025-12-09): Reviewed Documents provided. Exception remains. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
| XXXX | XXXX | #N/A | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Verification that the business is active and operating within ten (10) calendar days of closing as required by guidelines. |  |  | XXXX | Reviewer Comment (2025-12-10): Received pre close and post close verification.<br>Reviewer Comment (2025-12-09): Reviewed missing Third party verification dated within 10 calendar days of closing. Exception remains. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
| XXXX | XXXX | #N/A | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing Verification that the business is active within ten (10) calendar days of closing, Cash flow analysis, 2 months bank statements for depository personal accounts. |  |  | XXXX | Reviewer Comment (2025-12-10): Received required condition, Cleared.<br>Buyer Comment (2025-12-09): 2nd personal statement - supplied before<br>Buyer Comment (2025-12-09): Cash Analysis supplied prior<br>Reviewer Comment (2025-12-09): Reviewed missing Third party verification dated within 10 calendar days of closing. exception remains.<br>Seller Comment (2025-12-05): Provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | #N/A | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing Verification that the business is active within ten (10) calendar days of closing, Cash flow analysis, 2 months bank statements for depository personal accounts. |  |  | XXXX | Reviewer Comment (2025-12-10): Received required condition, Cleared.<br>Buyer Comment (2025-12-09): Cash Analysis<br>Buyer Comment (2025-12-09): 2nd personal bank statement<br>Reviewer Comment (2025-12-09): Reviewed missing Third party verification dated within 10 calendar days of closing. Exception remains.<br>Seller Comment (2025-12-05): Provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
| XXXX | XXXX | #N/A | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing Verification that the business is active within ten (10) calendar days of closing, Cash flow analysis, 2 months bank statements for depository personal accounts. |  |  | XXXX | Reviewer Comment (2025-12-10): Received required condition, Cleared.<br>Buyer Comment (2025-12-09): 2nd personal bank statement uploaded<br>Buyer Comment (2025-12-09): cash analysis<br>Reviewer Comment (2025-12-09): Reviewed missing Third party verification dated within 10 calendar days of closing. Exception remains.<br>Seller Comment (2025-12-05): Provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
| XXXX | XXXX | #N/A | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. | Business assets and depository accounts were used for reserves, but missing Cash flow analysis to determine no negative impact to business for business bank statements, only 1 month statement provided for depository accounts, 2 months statements required as per guidelines. Per lender guides, business assets can only be utilized at 50%. |  |  | XXXX | Reviewer Comment (2025-12-10): Received required condition, Cleared.<br>Buyer Comment (2025-12-09): 2nd personal statement<br>Buyer Comment (2025-12-09): cash analysis<br>Reviewer Comment (2025-12-09): Reviewed. exception remains.<br>Seller Comment (2025-12-05): Provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
| XXXX | XXXX | #N/A | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Business assets and depository accounts were used for reserves, but missing Cash flow analysis to determine no negative impact to business for business bank statements, only 1 month statement provided for depository accounts, 2 months statements required as per guidelines. |  |  | XXXX | Reviewer Comment (2025-12-10): Received required condition, Cleared.<br>Buyer Comment (2025-12-09): 2nd personal statement<br>Buyer Comment (2025-12-09): Cash Analysis<br>Reviewer Comment (2025-12-09): Reviewed missing Third party verification dated within 10 calendar days of closing. Exception remains.<br>Seller Comment (2025-12-05): Provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
| XXXX | XXXX | 4350118542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX | Fraud report for business entity "XXXX" is missing in file |  |  | XXXX | Reviewer Comment (2025-11-19): Fraud report for business entity "XXXX" is provided. Exception cleared<br>Buyer Comment (2025-11-17): Correct fraud report<br>Reviewer Comment (2025-11-14): Noted. Provided Fraud report is for XXXX instead of the entity " XXXX". provide corrected fraud report with updated entity name. Exception Remains.<br>Buyer Comment (2025-11-13): Business fraud report | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding non-arm's length investment property transactions. |  | Lender exception in file for the following/;<br> Lock will be changed to Select 5 product<br> 1. Exception for identity of interest: LO is related to Seller (LO's Dad is owner of LLC vested on subject file. Borrower has no relation to LO. <br> 2. LO is currently the tenant in subject prop and has received notice to vacate property by XXXX.<br> 3. Used Market rent for DSCR calculation.<br> 4. Tenant provided letter to vacate the property by XXXX.<br>Confirm acceptance for down grade consideration. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (2025-11-13): Investor exception provided.<br>Buyer Comment (2025-11-11): Approved lender exception | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | Property is possibly ineligible property type, zoned Neighborhood Business District (Commercially Zoned property), however, appraiser states residential is highest and best use, further review required. |  |  | XXXX | Reviewer Comment (2025-11-19): Lender Exception is provided in file with a - XXXX price adjustment. Exception cleared<br>Buyer Comment (2025-11-18): investor exception approval | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118559 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | BPC provided was not complete, Notary did not sign approved form and section about occupancy by family member also not completed |  |  | XXXX | Reviewer Comment (2025-12-04): Received Signed/dated and notarized BPC. Exception Cleared<br>Buyer Comment (2025-12-02): Business purpose affidavit | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | 4350118564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Address on flood cert is missing with Unit #XXXX. Corrected flood cert with updated unit is required. |  |  | XXXX | Reviewer Comment (2025-11-14): Received updated Flood Cert with correction in Property address per note. Exception Cleared<br>Buyer Comment (2025-11-12): flood cert | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | 4350118564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note addendum Prepayment penalty is missing in file and Rider-Prepayment does not state 6 months interest but 2% |  |  | XXXX | Reviewer Comment (2025-12-04): Note addendum Prepayment penalty and Rider-Prepayment is provided in file. Exception Cleared<br>Buyer Comment (2025-12-02): Note, addendum and Rider | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | Yes |
| XXXX | XXXX | 4350118564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Valuation | Guideline | Valuation | Property is in a declining market. |  | Require primary appraiser to address the CDA declining trend reporting in CDA |  |  | XXXX | Reviewer Comment (2025-12-11): Noted appraisal report with reconciled value of the subject XXXX. exception cleared.<br>Buyer Comment (2025-12-09): Appraisal update - Appraiser added comments as to the CDA declining market comments<br>Reviewer Comment (2025-12-03): The appraiser must address the declining trend.<br>Buyer Comment (2025-12-01): LOE regarding declining value | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | 4350118543 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | Excessive contributions IPC of XXXX for Seller credit is more than 3% of purchase price and does not meet guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (2025-11-06): Investor accepts and agrees to waive with compensating factors<br>Reviewer Comment (2025-11-06): re-opened, exception is for XXXX, moving to XXXX bucket.<br>Reviewer Comment (2025-11-05): Investor exception provided.<br>Buyer Comment (2025-11-05): Exception approved for Excessive contributions IPC of XXXX for Seller credit is more than 3%.<br>Buyer Comment (2025-11-05): Exception from LS. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118543 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX. | Need additional assets to cover the Cash to close requirement. Retirement and stock assets excluded from closing due to lack of liquidation evidence |  |  | XXXX | Reviewer Comment (2025-10-28): Guideline allows stock account to be considered for closing without liquidation evidence with 70% usability. Only liquidation require for Trust and IRA account. Exception Cleared<br>Buyer Comment (2025-10-27): LOE | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | Provided Business Purpose Certificate reflects incorrect subject property address, require updated Business Purpose Certificate. |  |  | XXXX | Reviewer Comment (2025-11-28): Received the corrected documents.<br>Buyer Comment (2025-11-26): Business Purpose Certificate | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | 4350118538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note reflects incorrect property address as "XXXX" however as per collateral documents (Title, appraisal, HOI, Flood cert and google search) property address is "XXXX", require updated documents with correct subject property address. |  |  | XXXX | Reviewer Comment (2025-11-28): Received the corrected Note.<br>Buyer Comment (2025-11-25): Note | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | 4350118538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security instrument reflects incorrect property address as "XXXX" however as per collateral documents (Title, appraisal, HOI, Flood cert and google search) property address is "XXXX", require updated documents with correct subject property address. |  |  | XXXX | Reviewer Comment (2025-11-28): Received the corrected Security Instrument.<br>Buyer Comment (2025-11-25): Security Agreement | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | 4350118538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum - Prepayment and Rider - Prepayment as missing, as per the date prepayment provided is for a period of 36 months however it also states 5%,4%,3%,2%,1% which means 60 months however verified with Rate lock and updated for 36 months and 5%,4%,3%. |  |  | XXXX | Reviewer Comment (2025-11-28): Received the PPP Addendum<br>Buyer Comment (2025-11-25): PPP Addendum | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | Yes |
| XXXX | XXXX | 4350118538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Require final 1003 with correct subject property address. |  |  | XXXX | Reviewer Comment (2025-11-17): Received 1003 with correct property address. Exception Cleared<br>Buyer Comment (2025-11-13): 1003 w/correct address & zip code | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | 4350118538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Require updated 1008 with correct subject property address |  |  | XXXX | Reviewer Comment (2025-11-18): 1008 with Correction in Property address. Exception Cleared<br>Buyer Comment (2025-11-14): 1008 w/corrected zip code<br>Reviewer Comment (2025-11-11): Received 1008 however Zip code is incorrect per note it isXXXX and as per 1008 it is XXXX Exception Remains<br>Buyer Comment (2025-11-07): Updated 1008 | XXXX | XXXX | XXXX | 1 C A D | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | 4350118538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | Appraisal report reflects zoning description as Highway Commercial, however as per guide commercial zoned properties are ineligible. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX vs 3 | XXXX | Reviewer Comment (2025-11-06): Investor accepts and agrees to waive with compensating,<br>Buyer Comment (2025-11-05): loan will be moving to XXXX<br>Buyer Comment (2025-11-05): investor exception approval<br>Reviewer Comment (2025-10-30): Please confirm if XXXX will accept this.<br>Buyer Comment (2025-10-28): zoning map<br>Buyer Comment (2025-10-28): per seller: Zoning results from research from the XXXX that confirms property is zoned as RMH - Residential Manufactured Home. XXXX included as well. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | D B A |  | N/A | No |
| XXXX | XXXX | 4350118525 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 74.00000% exceeds Guideline loan to value percentage of 70.00000%. | Calculated loan to value percentage of 74.00000% exceeds Guideline loan to value percentage of 70.00000%. Confirm exception acceptability for downgrade consideration. |  |  | XXXX | Reviewer Comment (2025-11-19): Lender exception is provided in file for exceeds of loan to value percentage of 74.00000%. Exception cleared<br>Buyer Comment (2025-11-17): investor exception approval | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | 4350118525 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. |  | 1. XXXX requires a 12-month housing history on the subject property, primary residence and all additional financed properties. <br> All payment histories must reflect 0X30 measured from the credit report date. XXXX reflects 30 days late for XXXX. |  |  | XXXX | Reviewer Comment (2025-11-19): Lender exception is provided in file for 1x30 housing history with price adjustment XXXX. Exception cleared<br>Buyer Comment (2025-11-17): XXXX has approved the exception request for 1x30 housing payment history | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | 4350118525 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Occupancy discrepancy. | Property occupancy of Investment does not match Guideline property occupancy of Investment. | 2. Provide corrected final 1003 for borrower. Subject property is an investment property transaction; however, the borrower selected they will occupy the property as their primary residence. |  |  | XXXX | Reviewer Comment (2025-11-21): Corrected application 1003 provided. exception cleared.<br>Buyer Comment (2025-11-19): revised signed 1003 | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | 4350118557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower:XXXX, Credit Report: Original // Borrower: XXXX | Require Fraud report for Entity "XXXX" and Borrower "XXXX" |  |  | XXXX | Reviewer Comment (2025-12-05): Received Fraud Report for Borrower and Business entity added as Co-Borrower. Exception Cleared<br>Buyer Comment (2025-12-03): DRIVE Report | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | 4350118557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The loan file must include documentation detailing the DSCR calculation, such as the <br> 1008, Loan Approval or a DSCR Calculation Worksheet. |  |  | XXXX | Reviewer Comment (2025-12-05): Received DSCR Calculation worksheet. Exception Cleared<br>Buyer Comment (2025-12-03): Rev 1008 DSCR Calculation | XXXX | XXXX | XXXX | 1 C A D | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | 4350118557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | Lender exception in file which is not signed and approved. Please review for acceptance.<br> Exception Information:<br> Refinance of two properties is paying off a private blanket mortgage and providing cash out to borrower, the borrower provided 13 months of proof of payment from XXXX for the private mortgage. The Borrower was able to provide cancelled checks for all months except XXXX's payment as that payment was made by withdrawing the exact amount of the payment and purchasing the money order with these funds and the borrower does not have a copy of the money order. You can see the exact withdrawal on the XXXX bank statement which he has provided. Compensating Factors: HIGH DSCR ration, 38 month reserves experienced investor | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | XXXX | Reviewer Comment (2025-11-21): Investor exception provided.<br>Buyer Comment (2025-11-18): Investor approval. Please clear | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | 4350118570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Provide updated mortgage histories for the mortgage loan provided in credit report. XXXX. Payment history must reflect 0 X 30 in the most recent 12 months including the month prior to closing. |  |  | XXXX | Reviewer Comment (2025-12-03): Received Credit supplement Confirmed Mortgage # XXXX payment till XXXX. Exception Cleared<br>Buyer Comment (2025-12-01): credit supp | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | 4350118570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX | Require Fraud report for business "XXXX" |  |  | XXXX | Reviewer Comment (2025-12-24): Received Business entity Fraud Report. exception Cleared<br>Buyer Comment (2025-12-23): Fraud report<br>Reviewer Comment (2025-12-04): Name included in watchlist does not suffice the guideline requirement. per guide "For loans vested in an entity, a report such as XXXX Business Report or similar is required for the entity" Exception Remains<br>Buyer Comment (2025-12-02): fraud rpt loe<br>Buyer Comment (2025-12-02): fraud rpt | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | 4350118570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Require operating agreement with ownership details for business "XXXX, XXXX Limited Liability Company" Per Attorney who established the entity, only Articles of organization were provided and state XXXX has 20% or more and XXXX has 20% or more. Both parties signed the Note; however, unable to definitively confirm percentages and if guidelines have been met. |  |  | XXXX | Reviewer Comment (2025-12-24): Received CPA letter confirmed Both borrower ownership, In XXXX state Operating agreement does not require mandatory. Exception Cleared<br>Buyer Comment (2025-12-23): ownership letter<br>Reviewer Comment (2025-12-18): Received K-1 information for Borrower XXXX only Whereas other Borrower XXXX Ownership Information is missing. Exception Remains<br>Buyer Comment (2025-12-16): K1<br>Reviewer Comment (2025-12-03): Noted XXXX state does not require operating agreement, however require third party Verification of Ownership. Borrower LOX does not suffice the Ownership Verification requirement. Exception Remains<br>Buyer Comment (2025-12-01): loe | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | 4350118570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Below mentioned leases are expired so new lease agreement required for below Units or expired lease agreement should have the verbiage that states the lease agreement becomes a month-to-month lease once the initial lease/rental term expires.<br> unit 2 : expired on XXXX,<br> unit 3 : expired on XXXX and <br> unit 4 : expired on XXXX. |  |  | XXXX | Reviewer Comment (2025-11-28): Leases are month to month once expired.<br>Buyer Comment (2025-11-24): per seller: Please see #10 Notice of Intent to Surrender on the lease agreements. last sentence in that section states: tenant shall become month to month tenant as defined by applicable lay and all the provisions of this lease will remain in full effect. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | 4350118567 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement not provided for business "XXXX". Credit related. |  |  | XXXX | Reviewer Comment (2026-01-08): The EIN reflects the borrower is sole member. Cleared.<br>Reviewer Comment (2025-12-09): As per guide, Operating Agreements needed to determine ownership percentage and authority to execute documents on behalf of the entity must be provided. Exception remains<br>Buyer Comment (2025-12-05): Lender's rebuttal: The LLC is owned & operates as a single member LLC; an operating agreement is not required. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | 4350118560 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Short term rental income is not allowed on purchase transactions per guidelines. |  |  | XXXX | Reviewer Comment (2025-12-01): Re-reviewed to LS guides which allow short term rates on purchase transactions<br>Reviewer Comment (2025-12-01): moving to LS XXXX<br>Buyer Comment (2025-12-01): Please move loan to LS. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Purchase | A |  | N/A | No |
| XXXX | XXXX | 4350118566 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | Lender exception in file not Signed and Dated. Please revie for acceptance. Exception Requested: Current lien being paid off is a private lien - borrower has made all payments as documented in file on time with the exception of XXXX payments were made in cash from the borrower due to the request of the lien holder. These payments could not be documented. There are LOE's in the file regarding this along with an LOE from the lien holder for the XXXX payment. Compensating Factors: Good credit, excellent reserves and an experienced real estate investor. Review for acceptance and downgrade consideration. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (2025-12-10): Investor exception provided.<br>Buyer Comment (2025-12-06): approval<br>Buyer Comment (2025-12-06): exception approval | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | 4350118575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | Note late charge percentage exceeds maximum per state |  |  | XXXX | Buyer Comment (2025-12-12): Acknowledged as non-material. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | Note late charge percentage exceeds maximum per state |  |  | XXXX | Buyer Comment (2025-12-12): Acknowledged as non-material. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City name on HOI Does not match with note. HOI Reflecting City name as "XXXX" Instead of XXXX. Require corrected HOI. |  |  | XXXX | Reviewer Comment (2025-12-18): Received updated HOI With correction in property address. Exception Cleared<br>Buyer Comment (2025-12-16): HOI | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report Date: XXXX, Valuation Type: Desk Review / Valuation Report Date: XXXX | City name on 1004 and CDA Does not match with note. Reflecting City name as XXXX Instead of XXXX. Also Zip code needs to be corrected to "XXXX" for 1004. |  |  | XXXX | Reviewer Comment (2025-12-22): CDA received with updated city name. Exception Cleared.<br>Buyer Comment (2025-12-19): CDA<br>Reviewer Comment (2025-12-18): Received updated appraisal with correction property address, however still missing CDA. Exception Remains<br>Buyer Comment (2025-12-16): 1004 | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | Unable to source large Deposit of XXXX into Bank A/c ending "XXXX" - Require Lox or Source documenting the large deposit. |  |  | XXXX | Reviewer Comment (2025-12-24): Noted. Bank statement. exception cleared<br>Buyer Comment (2025-12-23): Bank statement2<br>Buyer Comment (2025-12-23): per seller: the bank statement in question is over 60 days and not the two most recent bank statements so condition shouldn't even apply See attached 2 most recent bank statements showing sufficient liquidity.<br>Reviewer Comment (2025-12-22): Received summary of transaction from seller XXXX for the property XXXX. However Unable to identity if borrower XXXX is associated to XXXX. Also statement provided needs to be executed by borrower and seller both. Exception remains.<br>Buyer Comment (2025-12-19): Settlement statement<br>Reviewer Comment (2025-12-18): Noted Borrower Lox, however, Provide Closing statement of Sold Property to confirm Proceed amount. Exception Remains<br>Buyer Comment (2025-12-16): LOX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | City name on title Does not match with note. Title Reflecting City name as XXXX Instead of XXXX. |  |  | XXXX | Reviewer Comment (2025-12-18): Received Updated Final Title with correction in property Address. Exception Cleared<br>Buyer Comment (2025-12-16): TITLE | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Exchange Agreement not provided |  | 1031 Exchange reported on CD. Required Exchange agreement for property located at - XXXX. |  |  | XXXX | Reviewer Comment (2025-10-22): Exchange doc provided.<br>Buyer Comment (2025-10-22): Please review Receipt of the 1031 Exchange Report in original file: XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. |  | Guidelines require 0x30 pay histories. HELOC on Credit with XXXX reflects a late payment from XXXX. Missing Lender exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (2025-10-22): Investor exception provided.<br>Buyer Comment (2025-10-21): Investor's approval | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding non-arm's length investment property transactions. |  | LENDER EXCEPTION provided for possible non arms length transaction on a NOO Purchase. Borrower and Seller (Owner of LLC that currently owns the property) both work at XXXX in the same office. review for acceptance and downgrade consideration. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. |  | XXXX | Reviewer Comment (2025-10-28): Investor exception provided.<br>Buyer Comment (2025-10-24): See additional upload XXXX<br>Buyer Comment (2025-10-24): Approved exceptions | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity. XXXX |  |  | XXXX | Reviewer Comment (2025-11-06): Received XXXX Fraud report for business "XXXX" Exception Cleared<br>Buyer Comment (2025-11-04): Fraud | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of 700. | FICO as per credit report is XXXX and minimum FICO allowed as per guide is 700 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. |  | XXXX | Reviewer Comment (2025-10-28): Investor exception provided.<br>Buyer Comment (2025-10-24): See additional upload XXXX<br>Buyer Comment (2025-10-24): Approved exceptions | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX. | Need additional assets to cover the Cash to Close requirement. |  |  | XXXX | Reviewer Comment (2025-10-24): Acct# XXXX. Omitted from closing as guides state it XXXX be used for reserves only. Deferring to FNMA . | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | 4350118537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number (EIN) not provided for "XXXX" |  |  | XXXX | Reviewer Comment (2025-11-14): Employer identification number Received. Exception Cleared<br>Buyer Comment (2025-11-12): EIN Form | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | D A B |  | N/A | No |
| XXXX | XXXX | 4350118537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guaranty Agreement not provided in file. |  |  | XXXX | Reviewer Comment (2025-11-07): GA provided.<br>Buyer Comment (2025-11-07): Guarantor agreement | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Investment | Purchase | D A B |  | N/A | No |
| XXXX | XXXX | 4350118537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent Loss Insurance Coverage not provided. Guide require Rent loss insurance covering a minimum of 6 months is required for the subject property |  |  | XXXX | Reviewer Comment (2025-11-26): Received update HOI policy with rent loss amount however Premium amount has been changed. Variance is within tolerance limit no further document require. Exception Cleared<br>Buyer Comment (2025-11-24): hoi | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | D A B |  | N/A | No |
| XXXX | XXXX | 4350118537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity XXXX. |  |  | XXXX | Reviewer Comment (2025-11-07): Fraud report provided.<br>Buyer Comment (2025-11-07): Fraud report with entity listed<br>Buyer Comment (2025-11-05): XXXX LLC listed as borrower 2 | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | D A B |  | N/A | No |
| XXXX | XXXX | 4350118537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. |  | Closing Disclosure issued on XXXX Page 3 of 5 not provided. |  |  | XXXX | Reviewer Comment (2025-10-31): Received 3rd Page of CD issued on XXXX. Exception cleared<br>Buyer Comment (2025-10-29): Please see attached - page 3 is out of order at end of document | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Investment | Purchase | D A B |  | N/A | No |
| XXXX | XXXX | 4350118540 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower:XXXX, a Limited Liability Company | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity. Required Business Fraud reports of "XXXX" from one of the following agencies:XXXX, Drive report, First Line Data. |  |  | XXXX | Reviewer Comment (2025-11-10): Received Business entity Fraud report. Exception cleared<br>Buyer Comment (2025-11-06): Fraud Report<br>Reviewer Comment (2025-11-06): Received Fraud Report for borrower individually and business entity name was added under watchlist, however guideline require separate full fraud report from on of the agencies XXXX, XXXX, Drive report, XXXX.or any other. Exception remains<br>Buyer Comment (2025-11-04): Fraud Report<br>Buyer Comment (2025-11-04): LOX on Fraud Report | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | 4350118540 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Per guidelines, The loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet. Missing DSCR Calculation Worksheet. |  |  | XXXX | Reviewer Comment (2025-10-30): Received 1008 detailing DSCR calculation. Exception Cleared.<br>Buyer Comment (2025-10-29): 1008 | XXXX | XXXX | XXXX | 1 C A D | XXXX | XXXX | Investment | Purchase | D A |  | N/A | No |
| XXXX | XXXX | 4350118545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount was not provided. Missing Closing Instructions. MS |  |  | XXXX | Reviewer Comment (2025-10-14): Received Final Title policy covering the loan amount. Exception Cleared<br>Buyer Comment (2025-10-10): Title | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C A B | Non QM | Non QM | No |
| XXXX | XXXX | 4350118545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | XXXX | Reviewer Comment (2025-10-14): Received Final Title policy covering the loan amount. Exception Cleared | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | C A B | Non QM | Non QM | No |
| XXXX | XXXX | 4350118545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. |  |  |  | XXXX | Reviewer Comment (2025-11-07): PCCD and LOE provided.<br>Buyer Comment (2025-11-06): Please see uploaded Lender response, PCCD with updated issue date and LOE to borrower<br>Buyer Comment (2025-11-04): Please re-review - PCCD was amended to correct the disclosure of the escrow amounts. Per Lender " We have a signed escrow agreement, we just need it amended to include the amounts. We are not adding escrows post close. We are simply correcting the document. • The issue for the zeroed amounts was partly due to the fact that when the XXXX lock desk changed the lock, they changed it from escrowed to non-escrowed. Our system picked up on this which caused the zeroing of the amounts." - Please refer to XXXX - IEADS signed at closing proves that Escrow was set up prior to close and borrower was provided notice and per lender wanted the account escrowed.<br>Reviewer Comment (2025-10-17): Final CD signed XXXX was used for testing, the unsigned recent version provided is deemed post close with escrows added. Does not cure the issue<br>Buyer Comment (2025-10-15): Final ALTA<br>Buyer Comment (2025-10-15): CD with Escrow | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. C A B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Index date tested was XXXX, APR is exceeding threshold |  |  | XXXX | Reviewer Comment (2025-11-07): PCCD and LOE provided.<br>Buyer Comment (2025-11-06): Please see uploaded Lender response, PCCD with updated issue date and LOE to borrower<br>Buyer Comment (2025-11-04): Please re-review - PCCD was amended to correct the disclosure of the escrow amounts. Per Lender " We have a signed escrow agreement, we just need it amended to include the amounts. We are not adding escrows post close. We are simply correcting the document. • The issue for the zeroed amounts was partly due to the fact that when the XXXX lock desk changed the lock, they changed it from escrowed to non-escrowed. Our system picked up on this which caused the zeroing of the amounts." - Please refer to XXXX - IEADS signed at closing proves that Escrow was set up prior to close and borrower was provided notice and per lender wanted the account escrowed.<br>Reviewer Comment (2025-10-17): Final CD signed XXXX was used for testing, the unsigned recent version provided is deemed post close with escrows added. Does not sure the issue<br>Buyer Comment (2025-10-15): Please see uploaded escrow documentation | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A B | Non QM | Non QM | No |
| XXXX | XXXX | 4350118545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - XXXX 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XXXX are underdisclosed (Final/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-11-07): PCCD and LOE provided.<br>Buyer Comment (2025-11-06): Please see uploaded Lender response, PCCD with updated issue date and LOE to borrower<br>Reviewer Comment (2025-11-05): SitusAMC received XXXX CD and LOE to borrower is missing. Moreover, If the XXXX CD was intended to be a Post Close CD/Corrected CD after consummation date, then the issue date cannot be the same date as the consummation date, and it would not be considered a post close correction. A Corrected CD would need issued after the XXXX closing date with LOE to borrower in order to test as a correction.<br>Buyer Comment (2025-11-04): Please see uploaded PCCD | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Final CD signed XXXX was used for testing, the unsigned recent version provided is deemed post close with escrows added. |  |  | XXXX | Reviewer Comment (2025-11-07): PCCD and LOE provided.<br>Buyer Comment (2025-11-06): Please see uploaded Lender response, PCCD with updated issue date and LOE to borrower<br>Reviewer Comment (2025-11-05): SitusAMC received XXXX CD and LOE to borrower is missing. Moreover, If the XXXX CD was intended to be a Post Close CD/Corrected CD after consummation date, then the issue date cannot be the same date as the consummation date, and it would not be considered a post close correction. A Corrected CD would need issued after the XXXX closing date with LOE to borrower in order to test as a correction.<br>Buyer Comment (2025-11-04): Please re-review - PCCD was amended to correct the disclosure of the escrow amounts. Per Lender " We have a signed escrow agreement, we just need it amended to include the amounts. We are not adding escrows post close. We are simply correcting the document. • The issue for the zeroed amounts was partly due to the fact that when the XXXX lock desk changed the lock, they changed it from escrowed to non-escrowed. Our system picked up on this which caused the zeroing of the amounts." - Please refer to XXXX - IEADS signed at closing proves that Escrow was set up prior to close and borrower was provided notice and per lender wanted the account escrowed. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Final CD signed XXXX was used for testing, the unsigned recent version provided is deemed post close with escrows added. |  |  | XXXX | Reviewer Comment (2025-11-07): PCCD and LOE provided.<br>Buyer Comment (2025-11-06): Lender response<br>Buyer Comment (2025-11-06): LOE to borrower<br>Buyer Comment (2025-11-06): PCCD<br>Reviewer Comment (2025-11-05): SitusAMC received XXXX CD and LOE to borrower is missing. Moreover, If the XXXX CD was intended to be a Post Close CD/Corrected CD after consummation date, then the issue date cannot be the same date as the consummation date, and it would not be considered a post close correction. A Corrected CD would need issued after the XXXX closing date with LOE to borrower in order to test as a correction.<br>Buyer Comment (2025-11-04): Please re-review - PCCD was amended to correct the disclosure of the escrow amounts. Per Lender " We have a signed escrow agreement, we just need it amended to include the amounts. We are not adding escrows post close. We are simply correcting the document. • The issue for the zeroed amounts was partly due to the fact that when the XXXX lock desk changed the lock, they changed it from escrowed to non-escrowed. Our system picked up on this which caused the zeroing of the amounts." - Please refer to XXXX - IEADS signed at closing proves that Escrow was set up prior to close and borrower was provided notice and per lender wanted the account escrowed. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.03419% exceeds Guideline total debt ratio of 50.00000%. | Credit report dated XXXX has less monthly liability amount of XXXX and XXXX compared to latest credit report XXXX (This report is after note date XXXX and before disbursement date XXXX). Liability considered from latest credit report. Also, due to interest only loan, Qualified using the 20-year fully amortizing payment method This caused the DTI to exceed maximum allowable tolerance limit. |  |  | XXXX | Reviewer Comment (2025-10-23): Asset statement provided and funds used for reserves meet the reserves requirement also Credit debt monthly considered as per recent credit report but before disbursement date. DTI reviewed is meeting the threshold. exception cleared.<br>Buyer Comment (2025-10-22): Statement | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. | Calculated PITIA months reserves of XXXX months is less than Guideline PITIA months reserves of 6.00. Require additional XXXX to meet reserve requirement per guideline. POCB included in calculations. |  |  | XXXX | Reviewer Comment (2025-10-23): Asset statement provided and funds used for reserves meet the reserves requirement. exception cleared.<br>Buyer Comment (2025-10-22): 1008 | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific Exception have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-10-23): Asset statement provided and funds used for reserves meet the reserves requirement. Credit monthly debt used from recent credit report before the disbursement date. DTI threshold meet. exception cleared.<br>Buyer Comment (2025-10-22): See Guideline Requirement: PITIA reserves months discrepancy for docs | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient documentation. This exception will be cleared once all ATR specific Exception have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-10-23): Asset statement provided and funds used for reserves meet the reserves requirement. exception cleared.<br>Buyer Comment (2025-10-22): See Guideline Requirement: PITIA reserves months discrepancy for docs | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (XXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.03419% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Credit report dated XXXX has less monthly liability amount of XXXX and XXXX compared to latest credit report XXXX (This report is after note date XXXX and before disbursement date XXXX). Liability considered from latest credit report. Also, due to interest only loan, qualification method changed to fully amortized method. This caused the DTI to exceed maximum allowable tolerance limit. |  |  | XXXX | Reviewer Comment (2025-10-23): Credit liability considered as per recent credit report but before disbursement date. DTI reviewed is meeting the threshold. exception cleared.<br>Buyer Comment (2025-10-22): See Guideline Requirement: Investor qualifying total debt ratio discrepancy for statement | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | As per initial escrow doc XXXX and Final CD doc XXXX. Initial Escrow amount is XXXX and monthly escrow payment is XXXX. Per post CD doc XXXX, Initial Escrow amount is XXXX and monthly escrow payment is XXXX. Reason being changed in monthly tax amount of XXXX, which is considered as per Title commitment and 1008, Final 1003 and Post CD also considered same Tax amount. Provide new initial escrow statement with updated monthly escrow amount XXXX and monthly escrow payment XXXX |  |  | XXXX | Buyer Comment (2025-11-04): Acknowledged non material EV2<br>Reviewer Comment (2025-11-04): Received updated Escrow disclosure however This is EV2 Informational Exception due to change in Escrow and on the PCCD and post close initial escrow disclosure. Testing is based on initial escrow disclosure. This XXXX be acknowledged. Exception Remains<br>Buyer Comment (2025-10-31): IEADS and 1st payment letter | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-10): All Open Income/asset related ATR exception has been cleared. Exception Cleared<br>Buyer Comment (2025-11-06): CPA LEtter<br>Buyer Comment (2025-11-06): P&L<br>Reviewer Comment (2025-10-24): Received CPA letter and Third party verification however P&L only signed by CPA and per Guideline "P&L must be prepared by a third party and signed by the third party and borrower." Borrower Signature is missing. Additionally Reserve Exception still not cleared. Exception Remains<br>Buyer Comment (2025-10-23): CPA Letter | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Third Party Preparation Requirement not met | Ability to Repay (XXXX): P&L Statement(s) used to qualify were not prepared by a third party. (XXXX/P&L Statement Only) | CPA letter provided however business ownership percentage not mentioned. The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent. |  |  | XXXX | Reviewer Comment (2025-11-10): P&L signed by CPA and Borrower provided. Exception cleared<br>Buyer Comment (2025-11-06): CPA Letter<br>Buyer Comment (2025-11-06): P&L<br>Reviewer Comment (2025-10-24): Received CPA letter and Third party verification however P&L only signed by CPA and per Guideline "P&L must be prepared by a third party and signed by the third party and borrower." Borrower Signature is missing. Exception Remains<br>Buyer Comment (2025-10-23): CPA Letter | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-10): All Open Income/asset related ATR exception has been cleared. Exception Cleared | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Initial CD not provided |  |  | XXXX | Reviewer Comment (2025-11-11): SitusAMC received initial CD dated XXXX.<br>Buyer Comment (2025-11-10): Initial CD | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (75208) | Verification Fee was disclosed as XXXX on Initial LE and XXXX on Final CD. No Evidence of cure and no valid COC provided in file. |  |  | XXXX | Reviewer Comment (2025-11-12): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-11): LOE, PCCD and refund check<br>Buyer Comment (2025-11-11): Label | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. Required additional assets to meet the reserve requirement as per guidelines. |  |  | XXXX | Reviewer Comment (2025-11-10): Received updated CPA confirmed No negative impact for using business funds. Exception cleared<br>Buyer Comment (2025-11-06): CPA LEtter<br>Buyer Comment (2025-11-06): P&L<br>Reviewer Comment (2025-10-24): Received Business fund to meet Reserve requirement, however CPA letter does not reflect Impact statement for using business funds. per Guideline A signed letter from the CPA/Tax Preparer or an underwriter cash flow analysis is required to confirm that the withdrawal will not negatively impact the business.<br>Buyer Comment (2025-10-23): LOX<br>Buyer Comment (2025-10-23): 1008<br>Buyer Comment (2025-10-23): 1003<br>Buyer Comment (2025-10-23): CPA | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX | Fraud report is missing in the file. |  |  | XXXX | Reviewer Comment (2025-10-17): Noted Fraud report. exception cleared.<br>Buyer Comment (2025-10-16): Fraud Report | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX CPA Letter, Third Party Verification | CPA letter provided however business ownership percentage not mentioned. The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent. |  |  | XXXX | Reviewer Comment (2025-10-24): Received CPA Letter with Ownership and Business invoices as Business verification. Exception Cleared<br>Buyer Comment (2025-10-23): CPA Letter | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Business Loan Rider is missing in the file, |  |  | XXXX | Reviewer Comment (2025-10-29): Title company confirmed no Business Loan rider Submitted for recording. Exception Cleared<br>Buyer Comment (2025-10-27): Mortgage<br>Buyer Comment (2025-10-27): LOX<br>Reviewer Comment (2025-10-24): Received 1 page with manually removed Business lone rider, Provide Lender Attestation confirming Security instrument not recorded yet and removed the Business loan rider. Exception Remains<br>Buyer Comment (2025-10-23): Lender response: the mortgage was not recorded yet business loan rider was not to be part of mortgage please see attached from title company | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan was approved with an Originator Loan Designation of (NON-QM) but the required (CPA letter stating percentage) required per Investor Guidelines was not provided causing the loan to waterfall through the QM Testing. |  |  | XXXX | Reviewer Comment (2025-11-10): All Open income/asset related ATR exception has been cleared. Exception Cleared<br>Buyer Comment (2025-11-06): CPA Letter<br>Buyer Comment (2025-11-06): P&L<br>Reviewer Comment (2025-10-24): Received CPA letter and Third party verification however P&L only signed by CPA and per Guideline "P&L must be prepared by a third party and signed by the third party and borrower." Borrower Signature is missing. Additionally Reserve Exception still not cleared. Exception Remains<br>Buyer Comment (2025-10-23): CPA Letter | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | Missing one of the following:<br>1. Evidence of current work (executed contracts or signed invoices)<br> 2. Evidence of current business receipts<br> 3. Business website demonstrating activity supporting current business operations. |  |  | XXXX | Reviewer Comment (2025-10-24): Received CPA Letter with Ownership and Business invoices as Business verification. Exception Cleared<br>Buyer Comment (2025-10-23): CPA<br>Buyer Comment (2025-10-23): Invoice | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. | Missing Flood Cert |  |  | XXXX | Reviewer Comment (2025-10-22): Flood Cert received for subject property. Exception Cleared<br>Buyer Comment (2025-10-21): Flood Cert | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| XXXX | XXXX | 4350118533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX | No evidence of fraud report in file. |  |  | XXXX | Reviewer Comment (2025-10-22): Received Fraud Report for borrower. Exception Cleared<br>Buyer Comment (2025-10-21): Fraud Report | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| XXXX | XXXX | 4350118533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Cert not provided in file |  |  | XXXX | Reviewer Comment (2025-10-22): Received Flood Cert for subject property. Exception Cleared<br>Buyer Comment (2025-10-21): Flood Cert | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| XXXX | XXXX | 4350118533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Desk Review or Field Review effective date XXXX does not match the Appraisals effective date. |  |  | XXXX | Reviewer Comment (2025-10-24): Received updated CDA with effective date of XXXX match with Appraisal. Exception Cleared<br>Buyer Comment (2025-10-23): CDA | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| XXXX | XXXX | 4350118533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Business funds are used as assets and require a signed letter from the CPA or an Underwriter Cash Flow Analysis to confirm that the withdrawal will not negatively impact the business. |  |  | XXXX | Reviewer Comment (2025-11-10): Received CPA letter confirmed no negative impact for using business funds. Exception Cleared<br>Buyer Comment (2025-11-06): LOX<br>Reviewer Comment (2025-10-28): Yes, as per guide it allow "signed letter from the CPA/Tax Preparer is required to confirm that the withdrawal from business account XXXX & XXXX. Exception will not negatively impact the business Exception remains.<br>Buyer Comment (2025-10-28): Lender's response: Would a CPA letter would be sufficient? She's in her XXXX's and can make an unrestricted withdrawal any time.<br>Reviewer Comment (2025-10-24): Received Cashflow analysis for account # XXXX only which noted Will have minimal Impact on Business whereas Guideline noted No negative impact for using business funds. Additionally Other Business account # XXXX analysis is not provided. Also Additional IRA # Account Provided, however per Guideline "Disbursement from an IRA/401K" require in order to used for qualification. Exception Remains<br>Buyer Comment (2025-10-23): 1003<br>Buyer Comment (2025-10-23): cash flow<br>Buyer Comment (2025-10-23): IRA logix | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Receipt of the right to receive a copy of the appraisal disclosure or Loan Estimate not within 3 days of XXXX application. |  |  | XXXX | Reviewer Comment (2025-11-04): App date updated.<br>Buyer Comment (2025-11-03): Per Lender: "application date is XXXX not XXXX XXXXth. 1003 uploaded"<br>Reviewer Comment (2025-10-23): Initial application signed by LO and borrower on XXXX, Receipt of the right to receive a copy of the appraisal within 3 days of application. exception remains.<br>Buyer Comment (2025-10-22): Please disregard, condition is valid<br>Buyer Comment (2025-10-22): Please cancel the initial application date is XXXX see XXXX;the 1003 with an application date of XXXX is for a different subject property. | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (XXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  | XXXX | Reviewer Comment (2025-10-31): Homeowners Counseling List disclosure provided. Exception Cleared<br>Buyer Comment (2025-10-29): Homeowners Counseling list | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Final Closing Disclosure provided on XXXX did not disclose a reason for not having an escrow account on page 4. |  |  | XXXX | Reviewer Comment (2025-10-30): SitusAMC received corrected PCCD and LOE<br>Buyer Comment (2025-10-29): LOE and PCCD | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XXXX) | Application date was XXXX and Loan Estimate was issued XXXX. |  |  | XXXX | Reviewer Comment (2025-11-04): App date updated.<br>Buyer Comment (2025-11-03): 1003 - Per Lender: "application date is XXXX not XXXX XXXXth. 1003 uploaded"<br>Reviewer Comment (2025-10-23): SItusAMC: The 1003 (D0316) document referred to is for the subject property only however, the application date is XXXX and LO Signed date is XXXX. Title Preliminary is dated XXXX and credit report (XXXX) is dated XXXX from these documents we are unable to verify when has lender received all 6 pieces of information to initiate the application. Please provide supporting documentation to confirm receipt of the 6th piece of information to lender to establish the application date.<br>Buyer Comment (2025-10-22): Please disregard, condition is valid<br>Buyer Comment (2025-10-22): Please cancel the initial 1003 date is XXXX see XXXX; the 1003 with the application date XXXX is for a different subject property | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus 10% or XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (0) | Title-Document preparation fee, Title-Notary fee and Title-Notary fee were changed on XXXX Loan Estimate and again on XXXX CD with no valid change evident. |  |  | XXXX | Reviewer Comment (2025-10-30): SitusAMC received valid COC document<br>Buyer Comment (2025-10-29): COC and CD | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Cure provided at closing, this exception will be cleared when al l other TRI issues have been resolved. |  |  | XXXX | Reviewer Comment (2025-10-30): Sufficient cure provided at closing<br>Buyer Comment (2025-10-29): COC and CD | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is not provided. |  |  | XXXX | Reviewer Comment (2025-10-31): E-signed Consent Agreement received. Exception Cleared<br>Buyer Comment (2025-10-29): Econsent | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: P&L Statement not provided |  | P&L signed by CPA but also requires borrower signature. Credit related |  |  | XXXX | Reviewer Comment (2025-10-30): Noted signed P&L statement by both CPA and borrower. exception cleared.<br>Buyer Comment (2025-10-29): signed P&L | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | Missing one of the following: <br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Credit related. |  |  | XXXX | Reviewer Comment (2025-11-07): Received Employment Executed contract as Verification Business. Contract was made in XXXX however Termination date is in XXXX which make Valid Contract considered as evidence of current work. Exception cleared<br>Buyer Comment (2025-11-05): see contract | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX P&L Statement, Telephone Listing / Internet Search / Directory Assistance | 1. P&L signed by CPA but also requires borrower signature. Missing one of the following: <br>2.<br> • Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  | XXXX | Reviewer Comment (2025-11-07): Received Employment Executed contract as Verification Business. Contract was made in XXXX however Termination date is in XXXX which make Valid Contract considered as evidence of current work. Exception cleared<br>Buyer Comment (2025-11-05): Contract<br>Reviewer Comment (2025-11-03): Received signed P&L with Borrower signature as well, however still missing business verification using one of the following per guideline.• Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. Exception Remains<br>Buyer Comment (2025-10-31): see signed P&L | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-07): All open Income/Asset QM Exception has been cleared. Exception Cleared<br>Buyer Comment (2025-11-05): see contract | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-07): All open Income/Asset QM Exception has been cleared. Exception Cleared<br>Buyer Comment (2025-11-05): see contract | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (XXXX) | Sufficient cure provided at closing |  |  | XXXX | Reviewer Comment (2025-10-30): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (XXXX): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | New exception as result of documentation provided Loan application dated XXXX and disclosure provided XXXX which is not within 3 business days of application date. |  |  | XXXX | Reviewer Comment (2025-11-04): App date updated.<br>Buyer Comment (2025-11-03): Per Lender: "application date is XXXX not XXXX XXXXth. 1003 uploaded" | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118547 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of the greater of XXXX% of the Original Loan Amount and XXXX (2025). FNMA Finance Charge total XXXX on a Original Loan Amount of XXXX vs. an allowable total of XXXX and XXXX (2025) (an overage of XXXX or XXXX%). | EV2 informational |  |  | XXXX | Buyer Comment (2025-10-23): Acknowledged as non-material. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | N/A | Yes |
| XXXX | XXXX | 4350118547 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. Additional bank statement required. |  |  | XXXX | Reviewer Comment (2025-11-17): Statement showing HOI was paid has been provided and added back.<br>Buyer Comment (2025-11-13): Lender's comment: See attached refund to borrower. HOI premium is XXXX.<br>Reviewer Comment (2025-11-11): POCB for appraisal added back as they are reflected on credit card statement, Revised insufficient assts for reserves are XXXX vs 6 months. The insurance was not documented amount on credit statement does not match payee or amount on final CD. It was paid in XXXX and binder was made XXXX. Unable to confirm that insurance policy was same as for subject and not another property.<br>Buyer Comment (2025-11-07): CREDIT CARD STATEMENT ATTCHED SHOWING PAID BY BORROWER<br>Reviewer Comment (2025-11-05): XXXXrd ins invoice reflects paid, This was not deducted from the one asset account documented in file as coming from that source. Need evidence it was paid using borrower credit card as anyone else paying it would be deemed a gift and not allowed. Once borrower confirms she paid via her credit card we can consider adding it as a debt using 5% FNMA method. As to appraisal, invoice reflects paid XXXX, provide XXXX bank statement reflecting paid from the one asset statement in file and this can be added back as an asset or provide evidence borrower paid using credit card and we can add back in and use 5% method towards ratios. Must confirm paid by borrower and not another party as any other party paying is deemed a gift.<br>Buyer Comment (2025-11-05): invoice<br>Buyer Comment (2025-11-05): Per Lender : The UW, XXXX, is adamant that they've provided proof the funds used for the down payment and closing along with reserves are not being double counted which should resolve the reserves condition. She stated that this is a 12-month bank statement loan, we have all the statements over the last year from the account being used for reserves. If the POCs were paid from the account they would have shown up on the statements. Since the invoices show the POCs were paid within the timeframe of the bank statements we have and with the POCs not listed on the bank account statements, we know definitively that the POCs are not being double counted. She said this is the first time they've ever been asked to verify POCs weren't considered gift funds. She's asking to jump on a call to discuss<br>Reviewer Comment (2025-10-31): Noted. POCB present on CD. HOI XXXX and Appraisal Report Fee XXXX. Require evidence of withdrawal of these HOI and Appraisal fee payment from borrower personal account to use for reserve/closing. exception remains.<br>Buyer Comment (2025-10-30): Lender's response: HO paid by Credit card in XXXX. Appraisal fee paid in XXXX by vendor Both invoices are in the file we uploaded, XXXX Bank statement as of XXXX has a balance of XXXX. THE POCs should not be included in your calculations. We have the reserves we are not short | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A | Non QM | N/A | No |
| XXXX | XXXX | 4350118547 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Assets Error: Usability was not provided |  | LENDER EXCEPTION in file. Exception to use more than 50% business funds for closing and reserves as borrower is 50% owner. Account has XXXXk in it now. XXXX went to down payment and XXXX is going to cash to close with the rest as reserves. Review for acceptance and downgrade consideration. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | XXXX | Reviewer Comment (2025-10-27): Investor exception provided<br>Buyer Comment (2025-10-24): Investor's approval | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A | Non QM | N/A | No |
| XXXX | XXXX | 4350118554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (XXXX) |  |  |  | XXXX | Reviewer Comment (2025-10-23): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Missing Tax Cert to verify XXXX/year in tax expenses. |  |  | XXXX | Reviewer Comment (2025-11-05): per Guideline 1.5% used as Newly Construction Property. Exception cleared<br>Buyer Comment (2025-11-03): See note on 1008 attached. This is a new construction property recently completed. Note on 1008 provides calculation used for tax amount XXXX0 yr. Tax bill only has land taxes & won't be adjusted for a few months. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (XXXX): Safe Harbor requirements not satisfied. |  |  |  | XXXX | Buyer Comment (2025-10-31): Acknowledged EV2 informational exception for Lender/Client name mismatch on appraisal vs. Note.<br>Reviewer Comment (2025-10-31): This is an EV2 informational due to Lender/Client on appraisal differs from the Note.<br>Buyer Comment (2025-10-29): Field Review Delivery Notification and Residential Appraisal Review Short Form. Per our Operations Manager, the field review and delivery notification were both received and sent to the borrower on XXXX which is compliant with HPML. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (XXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | XXXX | Reviewer Comment (2025-10-30): Received list of Homeowner Counseling Organization. Exception cleared<br>Buyer Comment (2025-10-29): Homeowner's Counseling list | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7508) | Appraisal Field Review Fee was last disclosed as XXXX on LE but disclosed as XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  | XXXX | Reviewer Comment (2025-10-30): COC provided for addition of Appraisal Field review fee for XXXX. Exception cleared.<br>Buyer Comment (2025-10-29): COC | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | Missing one of the following:<br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations<br>Credit related |  |  | XXXX | Reviewer Comment (2025-11-11): Received executed Contract within 10 Business days as verification of Business. Exception Cleared<br>Buyer Comment (2025-11-07): Evidence Of Borrower's Current Work (Original Signed Contract).<br>Reviewer Comment (2025-10-30): Noted. Received Evidence of current work contract with XXXX and XXXX, however the contract needs to be executed as per guide.<br>Buyer Comment (2025-10-29): See Income Docs Missing for docs | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Telephone Listing / Internet Search / Directory Assistance | Missing one of the following:<br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations<br>Compliance related |  |  | XXXX | Reviewer Comment (2025-11-11): Received Executed Contract as verification. Exception Cleared<br>Buyer Comment (2025-11-10): Please see Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided exception for docs<br>Reviewer Comment (2025-10-30): Noted. Received Evidence of current work contract with XXXX and XXXX however dated XXXX however the contract needs to be executed as per guide. There provided Executed contract signed by the borrower and client both. Exception remains.<br>Buyer Comment (2025-10-29): History | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-11): All income/Asset ATR related exception has been cured/Cleared. Exception Cleared<br>Buyer Comment (2025-11-10): Please see Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided exception for docs<br>Reviewer Comment (2025-10-30): Noted. Received Evidence of current work contract with XXXX and XXXX however dated XXXX however the contract needs to be executed as per guide. There provided Executed contract signed by the borrower and client both. Exception remains.<br>Buyer Comment (2025-10-29): See Income Docs Missing for docs | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-11): All income/Asset ATR related exception has been cured/Cleared. Exception Cleared<br>Buyer Comment (2025-11-10): Please see Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided exception for docs<br>Reviewer Comment (2025-10-30): Noted. Received Evidence of current work contract with XXXX and XXXX however dated XXXX however the contract needs to be executed as per guide. There provided Executed contract signed by the borrower and client both. Exception remains.<br>Buyer Comment (2025-10-29): See Income Docs Missing for docs | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118553 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | Require Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following:<br>• Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  | XXXX | Reviewer Comment (2025-11-18): Received recent Bank statement Current Business receipt dated XXXX. Exception Cleared<br>Buyer Comment (2025-11-17): VOE and Statements<br>Reviewer Comment (2025-11-13): Those last 2 deposits do not confirm business activity, unable to confirm that is business related. Does not meet spirit of the guides. <br>If there was a contract for work associated with one of those deposits that is within 10 Biz days and LOE from client, We could accept.<br>Buyer Comment (2025-11-12): Seller is questioning why deposits into business account within 10 days is not sufficient. Please advise.<br>Reviewer Comment (2025-11-11): The deposit transfer made on XXXX XXXX from XXXX was not verifeid whether it has been deposited into business account XXXX. require statement to show this XXXX have been deposited into business to count as business receipt. exception remains.<br>Buyer Comment (2025-11-10): PER LENDER: Why are they not counting the deposits on XXXX and XXXX on the Business XXXX bank statements? Both of those are within 10 Business days prior to Note date of XXXX?<br>Reviewer Comment (2025-11-04): Noted. Received the same XXXX statement, XXXXand Commission report showing company is active and the VVOE. However as per guide we need any one of the following along with the VVOE:<br> • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations. Credit related.<br> Provided XXXX statement a withdrawal been initiated for XXXX however unable to verify whether this is been deposit to Borrower XXXX Business account #XXXX. Provide recent bank statement that supports the deposit in theXXXXstatement initiated on XXXX from XXXX statement. Exception remains.<br>Buyer Comment (2025-11-03): PER LENDER- Please re-review Final VOE uploaded.XXXX statements show payments through XXXX. XXXX Corporation and Commission report shows company active as of XXXX.<br>Reviewer Comment (2025-10-29): Noted. Received Third party VVOE, business bank statement XXXX and paypay statement, Business Certificate of good standing and XXXX search for employer. With the XXXX statement unable to verify the business deposit within 10 business days of the note date. As per guide along with VVOE any one of the following is required:<br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations.<br> Exception Remains.<br>Buyer Comment (2025-10-29): See upload XXXX<br>Buyer Comment (2025-10-29): Final VOE | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118553 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-18): All open Income/Asset QM Exception has been cleared. Exception Cleared<br>Buyer Comment (2025-11-17): See Income Docs Missing exception for docs<br>Reviewer Comment (2025-11-04): Noted. Received the same XXXX statement, XXXX Corp and Commission report showing company is active and the VVOE. However as per guide we need any one of the following along with the VVOE:<br> • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations. Credit related.<br> Provided XXXX statement a withdrawal been initiated for XXXX however unable to verify whether this is been deposit to Borrower XXXX. Provide recent bank statement that supports the deposit in the XXXX statement initiated on XXXX from XXXX statement. Exception remains.<br>Buyer Comment (2025-11-03): PER LENDER- Please re-review Final VOE uploaded. XXXX statements show payments through XXXX. XXXX Corporation and Commission report shows company active as of XXXX. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118553 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation the required Verification of business document required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  | XXXX | Reviewer Comment (2025-11-18): All open Income/Asset QM Exception has been cleared. Exception Cleared<br>Buyer Comment (2025-11-17): See Income Docs Missing exception for docs<br>Reviewer Comment (2025-11-04): Noted. Received the same XXXX statement, XXXX Corp and Commission report showing company is active and the VVOE. However as per guide we need any one of the following along with the VVOE:<br> • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations. Credit related.<br> Provided XXXX statement a withdrawal been initiated for XXXX however unable to verify whether this is been deposit to Borrower XXXX. Provide recent bank statement that supports the deposit in the XXXX statement initiated on XXXX from XXXX statement. Exception remains.<br>Buyer Comment (2025-11-03): PER LENDER- Please re-review Final VOE uploaded. XXXX statements show payments through XXXX. XXXX Corporation and Commission report shows company active as of XXXX.<br>Reviewer Comment (2025-10-29): Noted. Received Third party VVOE, business bank statement XXXX and paypay statement, Business Certificate of good standing and XXXX search for employer. With the XXXX statement unable to verify the business deposit within 10 business days of the note date. As per guide along with VVOE any one of the following is required:<br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations.<br> Exception Remains.<br>Buyer Comment (2025-10-29): See upload XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118553 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | Require Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following:<br>• Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations.<br>Credit related |  |  | XXXX | Reviewer Comment (2025-11-18): Received recent Bank statement Current Business receipt dated XXXX. Exception Cleared<br>Buyer Comment (2025-11-14): FYI : <br> The deposits could be considered if they were indictive of the types of deposits the borrower typically makes. Which I have verified counter deposit are not.<br>I will accept the XXXX mobile deposit (the borrower has 5 other small mobile deposits over the last 12 months).<br> The borrower must provide a LOX explaining the service rendered for XXXX<br>Reviewer Comment (2025-11-11): The deposit transfer made on XXXX XXXX from XXXX was not verifeid whether it has been deposited into business account XXXX. require statement to show this XXXX have been deposited into business to count as business receipt. exception remains.<br>Buyer Comment (2025-11-10): PER LENDER- Why are they not counting the deposits on XXXX and XXXX on the Business XXXX bank statements? Both of those are within 10 Business days prior to Note date of XXXX?<br>Reviewer Comment (2025-11-04): Noted. Received the same XXXX statement, XXXX Corp and Commission report showing company is active and the VVOE. However as per guide we need any one of the following along with the VVOE:<br> • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations. Credit related.<br> Provided XXXX statement a withdrawal been initiated for XXXX hoiwever unable to verify whether this is been deposit to Borrower XXXX. Provide recent bank statement that supports the deposit in the XXXX statement initiated on XXXX from XXXX statement. Exception remains.<br>Buyer Comment (2025-11-03): PER LENDER - Please re-review Final VOE uploaded. XXXX statements show payments through XXXX. XXXX Corporation and Commission report shows company active as of XXXX.<br>Reviewer Comment (2025-10-29): Noted. Received Third party VVOE, business bank statement XXXX and paypay statement, Business Certificate of good standing and XXXX search for employer. With the XXXX statement unable to verify the business deposit within 10 business days of the note date. As per guide along with VVOE any one of the following is required:<br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations.<br> Exception Remains.<br>Buyer Comment (2025-10-29): Final VOE | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118534 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | XXXX - 3% Points and Fees | XXXXXXXX% Points and Fees Test. Points and Fees on subject loan of XXXX% is in excess of the investor allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees total XXXX on a Federal Total Loan Amount of XXXX vs. an investor allowable total of XXXX (an overage of XXXX or XXXX%). | EV2 informational |  |  | XXXX | Buyer Comment (2025-10-28): Acknowledged non material | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118532 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX, OR Statement | As per 1003, REO property located at XXXX was Free and Clear. However, Fraud and Property History report reflect a Loan amount of XXXX from a Private Individual. Required document to confirm the loan amount of XXXX has been paid off. |  |  | XXXX | Reviewer Comment (2025-11-04): Received LOX from insurance company confirming no lien on the property. Exception cleared.<br>Buyer Comment (2025-11-03): LOE | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118549 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | XXXX | Reviewer Comment (2025-11-05): Received ABA disclosure timing via disclosure summary. Exception cleared.<br>Buyer Comment (2025-11-03): AFB tracking | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118549 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  | XXXX | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118529 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Letter | Require CPA letter as the ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent. Borrowers must have been self-employed for at least two years in the same business verified via a CPA/Tax Preparer, regulatory agency, applicable licensing bureau or equivalent. |  |  | XXXX | Reviewer Comment (2025-11-12): Received Buylaws of Borrower business which confirmed Borrower is 100% Owner. Exception Cleared and Third party verification available in the file confirmed borrower self employed since 2014. Exception Cleared<br>Buyer Comment (2025-11-10): Bylaws | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118529 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-12): All Open income/asset ATR Exception has been cleared. Exception cleared<br>Buyer Comment (2025-11-10): Please see Income Docs Missing exception for Bylaws | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118529 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation the required CPA/Tax Preparer, Operating Agreement or equivalent required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  | XXXX | Reviewer Comment (2025-11-12): All Open income/asset ATR Exception has been cleared. Exception cleared<br>Buyer Comment (2025-11-10): Please see Income Docs Missing exception for Bylaws | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | Require Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following:<br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations. |  |  | XXXX | Reviewer Comment (2025-11-14): Received Current Business Bank statement with Current Income Receipt deposit as verification of business. Exception Cleared<br>Buyer Comment (2025-11-12): bank statement showing activity | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | Require updated and complete PUD Rider document as in the current PUD rider document in file 1st page is not legible. |  |  | XXXX | Reviewer Comment (2025-11-14): Received Complete PUD rider. Exception Cleared<br>Buyer Comment (2025-11-12): PUD Rider | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-14): All open Income/Asset ATR related Exception has been cleared. Exception cleared | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation the required Verification of business document required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  | XXXX | Reviewer Comment (2025-11-14): All open Income/Asset ATR related Exception has been cleared. Exception cleared | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7727) | Title - Examination Fee was disclosed as XXXX on initial LE and XXXX on Final CD. No valid COC provided in file. Insufficient Evidence of cure provided in file for XXXX. |  |  | XXXX | Reviewer Comment (2025-12-04): SItusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-03): Please re-check and cure - Per Lender: USPS tracking now shows a delivery date of Monday 8th and that USPS has received the package.<br>Reviewer Comment (2025-12-02): SitusAMC received PCCD, LOE, Refund Check and Proof of Mailing. USPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-12-01): LOE<br>Buyer Comment (2025-12-01): PCCD<br>Buyer Comment (2025-12-01): Refund check<br>Buyer Comment (2025-12-01): shipping label<br>Reviewer Comment (2025-11-28): SitusAMC received rebuttal comment that borrower has requested the change. Borrower typically would not request an increase to their costs without a valid reason. Please provide documentation of additional information related to the changing of the Settlement Service Provider. Documentation of borrower requested changes should include the date of the borrower's change request and be documented in writing through copy of borrower emails, communication logs, screenshot of LO notes in LOS, etc.<br>Buyer Comment (2025-11-25): COC re-attached - The borrower requested a change in Settlement Company which changed the title fees.<br>Reviewer Comment (2025-11-25): SitusAMC: The COC dated XXXX that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on what impacts and why the examination fee was increased. Provide additional information with documentation of timeline for the fee increased or Cure would be due to borrower.<br>Buyer Comment (2025-11-24): COC<br>Reviewer Comment (2025-11-12): SitusAMC received Changed Circumstance dated XXXX, but it does not give sufficient information on why the title - exam fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check.<br>Buyer Comment (2025-11-11): COC | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan allows for Partial Payments. (Final/XXXX) | Loan Disclosures section (pg 4) partial payments checked two option 1) XXXX hold them in a separate account until you pay the rest of the payment, and then apply the full payment to your loan. 2) does not accept any partial payments. require updated page 4 of the CD. |  |  | XXXX | Reviewer Comment (2025-12-02): SitusAMC received Letter of Explanation & Corrected CD<br>Buyer Comment (2025-12-01): Please see uploaded shipping label<br>Reviewer Comment (2025-11-24): Please provide proof of mailing for PCCD and LOE.<br>Buyer Comment (2025-11-24): PCCD<br>Buyer Comment (2025-11-24): LOE | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). (Final/XXXX) | HOA dues/Capital contribution reflected under section B in error, provide PCCD reflecting the fees under section H. |  |  | XXXX | Reviewer Comment (2025-12-02): SitusAMC received Corrected CD & LOE moving HOA fees from Section B to proper Section H<br>Buyer Comment (2025-12-01): Please see uploaded shipping label<br>Reviewer Comment (2025-11-24): Please provide proof of mailing for PCCD and LOE.<br>Buyer Comment (2025-11-24): Please see uploaded LOE and PCCD | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). (Final/XXXX) | HOA dues/Capital contribution reflected under section B in error, provide PCCD reflecting the fees under section H. |  |  | XXXX | Reviewer Comment (2025-12-02): SitusAMC received Corrected CD & LOE moving HOA fees from Section B to proper Section H<br>Buyer Comment (2025-12-01): Please see uploaded shipping label<br>Reviewer Comment (2025-11-24): Please provide proof of mailing for PCCD and LOE.<br>Buyer Comment (2025-11-24): Please see uploaded LOE and PCCD | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines |  | XXXX% seller concessions > 3% maximum allowed per guidelines.<br> Realtor Credit is XXXX% and exceeds guides of allowance of 3% for LTV/CLTV >80% for Purchase Primary. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX. |  | XXXX | Reviewer Comment (2025-12-05): Investor exception provided.<br>Buyer Comment (2025-12-05): investor exception approval<br>Reviewer Comment (2025-12-03): A PCCD and evidence of pay down up to XXXX. A principal reduction.<br>Buyer Comment (2025-12-01): What would clear this exceptions | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXX) | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates or a waiver |  |  | XXXX | Buyer Comment (2025-11-12): Acknowledged non material EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX 1084 or income worksheet | 1084 or income worksheet is missing in file. |  |  | XXXX | Reviewer Comment (2025-11-11): Received income Worksheet. Exception cleared<br>Buyer Comment (2025-11-07): Income worksheet | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-11): All income/Asset related ATR Exception has been cleared. Exception Cleared<br>Buyer Comment (2025-11-07): See uploaded income worksheet | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Debt | Ability-to-Repay (XXXX): Creditor did not include alimony and/or child support in debt obligations. | ATR failure due to insufficient income documentation (Income Calculation Worksheet). This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-11): All income/Asset related ATR Exception has been cleared. Exception Cleared<br>Buyer Comment (2025-11-07): see uploaded worksheet | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation (Income Calculation Worksheet). This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-11): All Open Income/asset ARR related exception has been cleared. Exception cleared<br>Buyer Comment (2025-11-07): see uploaded income worksheet | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX): General Ability-to-Repay requirements not satisfied. | Missing Income Calculation Worksheet as required per guidelines. |  |  | XXXX | Reviewer Comment (2025-11-11): All income/Asset related ATR Exception has been cleared. Exception Cleared | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender. |  |  | XXXX | Reviewer Comment (2025-11-14): SitusAMC received copies of H-9 RTC for each borrower with wet signature date of XXXX and expiration date of XXXX.<br>Buyer Comment (2025-11-14): Please cure or advise further<br>Reviewer Comment (2025-11-14): Under review internally by compliance department<br>Buyer Comment (2025-11-12): Please re-review and clear XXXX<br>Reviewer Comment (2025-11-12): We cannot cure until XXXX.<br>Buyer Comment (2025-11-10): NRTC | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX | Fraud Report for Borrower is missing |  |  | XXXX | Reviewer Comment (2025-11-11): Received Fraud report. Exception Cleared<br>Buyer Comment (2025-11-07): Fraud Report | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX 1084 or income worksheet, Third Party Verification | Require Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following: Evidence of current work (executed contracts or signed invoices), Evidence of current business receipts or Business website demonstrating activity supporting current business operations also missing Bank statement income worksheet. (File has Google Search that is not dated). Compliance related |  |  | XXXX | Reviewer Comment (2025-11-11): Received Income worksheet and Business website demonstrating activity supporting current business operations as verification. exception cleared<br>Buyer Comment (2025-11-07): Internet search on business with this dated XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Hazard Insurance policy noted City Name XXXX whereas as per Note City name is XXXX, Require updated Hazard insurance policy. |  |  | XXXX | Reviewer Comment (2025-11-14): Received updated Hazard insurance policy with correct Property address per note. Exception Cleared<br>Buyer Comment (2025-11-12): The wrong policy was uploaded. Please review and clear.<br>Reviewer Comment (2025-11-12): Received Hazard insurance policy with different address and borrower. HOI noted address XXXX whereas Subject property address is XXXX Exception Remains.<br>Buyer Comment (2025-11-10): Updated Homeowners Insurance with corrected City | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: 1084 or income worksheet not provided |  | Bank statement Income worksheet is missing. Credit related |  |  | XXXX | Reviewer Comment (2025-11-11): Received Income worksheet. Exception Cleared<br>Buyer Comment (2025-11-07): Worksheet | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  | XXXX | Reviewer Comment (2025-11-04): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation Failure Due to ATR Failure. This exception will be cleared once all ATR specific exception have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-11): All Open Income Asset related ATR Exception has been cleared. Exception cleared<br>Buyer Comment (2025-11-10): documents uploaded. Please clear. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR Failure due to insufficient Income documentation. This exception will be cleared once all ATR specific exception have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-11): All Open Income Asset related ATR Exception has been cleared. Exception cleared<br>Buyer Comment (2025-11-10): documents uploaded. Please clear. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | Borrower: XXXX | Final 1003 Section 4 reflects Purchase Primary and Declaration 5A states will you occupy the property as primary residence as No. Corrected Final 1003 with updated section 5A as Yes is required. |  |  | XXXX | Reviewer Comment (2025-11-14): Received updated 1003 with Correction in Occupancy Declaration for occupancy. Exception Cleared<br>Buyer Comment (2025-11-13): revised app | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following:<br> • Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations<br>Compliance related |  |  | XXXX | Reviewer Comment (2025-11-14): Received Business website demonstrating activity supporting current business operations. Exception Cleared<br>Buyer Comment (2025-11-13): VOE and website | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower was not provided. |  |  | XXXX | Reviewer Comment (2025-11-13): Appraisal delivery evidence provided<br>Buyer Comment (2025-11-12): Appraisal acknowledgment | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. |  |  | XXXX | Reviewer Comment (2025-11-13): Appraisal delivery evidence provided<br>Buyer Comment (2025-11-12): Please see uploaded appraisal delivery | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-14): All Open Income/Asset ATR Exception has been cleared. Exception Cleared. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient Income and Asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared |  |  | XXXX | Reviewer Comment (2025-11-14): All Open Income/Asset ATR Exception has been cleared. Exception Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | XXXX Home Loan (Complaint Agency Disclosure Not Provided) | XXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | XXXX | Reviewer Comment (2025-11-13):XXXX Complaint Agency Disclosure provided<br>Buyer Comment (2025-11-12): XXXX Complaint Agency disclosure | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7713) | Pest Inspection Fee was disclosed as XXXX on Initial LE and XXXX on Final CD. No valid COC nor evidence of cure provided. |  |  | XXXX | Reviewer Comment (2025-11-24): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-11-21): Refund check, PCCD, LOE and shipping label | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  | XXXX | Reviewer Comment (2025-11-13): Appraisal delivery evidence provided<br>Buyer Comment (2025-11-12): Please see uploaded appraisal delivery | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | Require Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following:<br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations. |  |  | XXXX | Reviewer Comment (2025-11-12): Received Business website demonstrating activity supporting current business operations. Exception cleared<br>Buyer Comment (2025-11-11): Website confirming business operation | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXX) | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  | XXXX | Buyer Comment (2025-11-07): Acknowledged non-material EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-12): Received Business website demonstrating activity supporting current business operations. Exception cleared<br>Buyer Comment (2025-11-11): See upload of business website | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation the required Verification of business document required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  | XXXX | Reviewer Comment (2025-11-12): Received Business website demonstrating activity supporting current business operations. Exception cleared<br>Buyer Comment (2025-11-11): see upload of business website | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  |  | XXXX | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Require E-sign Consent Agreement as it is missing in file. |  |  | XXXX | Reviewer Comment (2025-11-14): Received E-signed Consent agreement. Exception Cleared<br>Buyer Comment (2025-11-12): Econsent | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX P&L Statement | Require updated P&L statement which is within 90 days of closing as the current P&L statement is dated from XXXX to XXXX which is more than 90 days of closing date which is XXXX.<br>Compliance related |  |  | XXXX | Reviewer Comment (2025-11-20): Provided P&L prepared by a third party and signed by the third party and borrower. Exception Cleared<br>Buyer Comment (2025-11-18): signed p&l<br>Reviewer Comment (2025-11-17): Received Third Party P&L statement within 90 days from closing date however it is only signed by CPA require Borrower signature as well, per Guideline P&L must be prepared by a third party and signed by the third party and borrower. Exception Remains<br>Buyer Comment (2025-11-13): p & l | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by XXXX. Provide updated policy reflecting minimum coverage of XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  | XXXX | Reviewer Comment (2025-11-17): Received RCE. Exception Cleared<br>Buyer Comment (2025-11-13): rce | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: P&L Statement not provided |  | Require updated P&L statement which is within 90 days of closing as the current P&L statement is dated from XXXX to XXXX which is more than 90 days of closing date which is XXXX.<br>Credit related |  |  | XXXX | Reviewer Comment (2025-11-20): Provided P&L prepared by a third party and signed by the third party and borrower. Exception Cleared<br>Buyer Comment (2025-11-18): signed p&l<br>Reviewer Comment (2025-11-17): Received Third Party P&L statement within 90 days from closing date however it is only signed by CPA require Borrower signature as well, per Guideline P&L must be prepared by a third party and signed by the third party and borrower. Exception Remains<br>Buyer Comment (2025-11-13): P & L | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-20): Provided P&L prepared by a third party and signed by the third party and borrower. Exception Cleared<br>Buyer Comment (2025-11-18): please review<br>Reviewer Comment (2025-11-17): Received Third Party P&L statement within 90 days from closing date however it is only signed by CPA require Borrower signature as well, per Guideline P&L must be prepared by a third party and signed by the third party and borrower. Exception Remains<br>Buyer Comment (2025-11-13): please review | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation the P&L document required within 90 days from closing per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  | XXXX | Reviewer Comment (2025-11-20): Provided P&L prepared by a third party and signed by the third party and borrower. Exception Cleared<br>Buyer Comment (2025-11-18): please review<br>Reviewer Comment (2025-11-17): Received Third Party P&L statement within 90 days from closing date however it is only signed by CPA require Borrower signature as well, per Guideline P&L must be prepared by a third party and signed by the third party and borrower. Exception Remains<br>Buyer Comment (2025-11-13): please review | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXX) | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates or a waiver |  |  | XXXX | Buyer Comment (2025-11-13): Acknowledged non material EV2<br>Reviewer Comment (2025-11-13): File have delivery evidence dated XXXX which is prior to appraisal report date of XXXX. Provide Original appraisal for review. Exception remains<br>Buyer Comment (2025-11-12): Appraisal delivery | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | Missing LOE regarding large deposit for XXXX for XXXX. |  |  | XXXX | Reviewer Comment (2025-11-13): Received Source of large Deposit. Exception cleared<br>Buyer Comment (2025-11-12): copy of check from XXXXinsurance for large deposit. On the check it sates " property damage total loss settlement less salvage value XXXX at XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (XXXX): Safe Harbor requirements not satisfied. |  |  |  | XXXX | Buyer Comment (2025-11-17): Acknowledged non material EV2 - Compliant HPML Non QM<br>Reviewer Comment (2025-11-14): No new documentation was provided. This is an EV2 informational exception and XXXX be waived.<br>Buyer Comment (2025-11-12): Please see uploaded appraisal delivery | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:XXXX/XXXX) | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  | XXXX | Reviewer Comment (2025-11-13): Appraisal delivery Received. Original appraisal already available in the file. Exception Cleared<br>Buyer Comment (2025-11-12): Appraisal delivery | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:XXXX/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-11-13): Appraisal delivery Received. Original appraisal already available in the file. Exception Cleared<br>Buyer Comment (2025-11-12): Please see uploaded appraisal delivery | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. |  |  | XXXX | Reviewer Comment (2025-11-13): Appraisal delivery Received. Original appraisal already available in the file. Exception Cleared<br>Buyer Comment (2025-11-12): Please see uploaded appraisal delivery | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation(P&L signed by the borrower). This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-21): P&L Statement has been provided in file signed by borrower & CPA. Exception cleared<br>Buyer Comment (2025-11-20): See upload XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-21): P&L Statement has been provided in file signed by borrower & CPA. Exception cleared<br>Buyer Comment (2025-11-20): See upload XXXX | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: P&L Statement not provided |  | P&L Statement has been provided in file signed by only CPA, however borrower signature is missing in P&L statement for XXXX. |  |  | XXXX | Reviewer Comment (2025-11-21): P&L Statement has been provided in file signed by borrower & CPA. Exception cleared<br>Buyer Comment (2025-11-20): P & L signed by borrower | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. | Missing Letter of Explanation for large deposit XXXX for XXXX. |  |  | XXXX | Reviewer Comment (2025-12-08): Request to add back XXXX for appraisal paid out of checking account XXXX. Also tested PCCD. Reserves are now in line<br>Reviewer Comment (2025-12-08): Request to add backXXXX for appraisal paid out of checking account XXXX. Reserves are now in line<br>Reviewer Comment (2025-12-08): per PCCD, funds to close - XXXX + POCB XXXX + final funds XXXX and final funds XXXX + EMDXXXX = XXXX. Verified assets of XXXX. Leaves XXXX for reserves Revised and have XXXX months vs 6 months.<br>Buyer Comment (2025-12-07): Per Seller : Funds required to close: XXXX<br> Verified assets: XXXX, XXXX funds to close<br>Leaves XXXX<br> 6 months needed: XXXX<br>Excess of XXXX<br>Even if we back out XXXX, we still have an excess of XXXX<br>Reviewer Comment (2025-12-05): Note source of Large Deposit, however still asset are shortfall to cover the Reserve Requirement. Total asset Require cash to close and reserve XXXX whereas available asset are XXXX. Asset Are shortfall to cover the Remaining XXXX. Exception Remains<br>Buyer Comment (2025-12-03): Large deposits XXXX and XXXX<br>Reviewer Comment (2025-11-21): As per UW, large deposit is backed out from XXXX #XXXX of XXXX and XXXX which result in short fall of reserves however if we consider this large deposit for closing/reserves, still we required additional assets to meet the reserves requirement of 6 months. Exception remains<br>Buyer Comment (2025-11-20): Provided the additional XXXX and XXXX are sourced is the loan still short reserves? If so by how much?<br>Reviewer Comment (2025-11-19): Provided LOX of large deposit of XXXX is provided. Required LOX for large deposit of XXXX of XXXX and XXXX. Also, required additional assets to meet the reserves requirement of 6 months. Exception remains<br>Buyer Comment (2025-11-17): Lender's response: large deposit documentation uploaded XXXX to clear conditions pertaining to large deposit. Only the other condition for the LOX was cleared. Shouldn't the same documentation clear this condition as well? | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXX) | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  | XXXX | Reviewer Comment (2025-11-13): Appraisal delivery Received. Original appraisal already available in the file. Exception Cleared | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient, missing insurer ERC. |  |  | XXXX | Reviewer Comment (2025-12-01): Received Updated HOI with Coverage amount matching with RCE amount. Premium increased however within tolerance limit. Exception Cleared<br>Buyer Comment (2025-11-26): Updated HOI with sufficient coverage<br>Reviewer Comment (2025-11-20): Guide require : Properties where the insurance coverage on the declaration page does not cover<br> the loan amount must have a cost estimate from the insurance company or agent<br> evidencing the property is insured for its replacement cost". XXXX only still has short to cover the replacement. Replacement cost was provided for XXXX. exception remains.<br>Buyer Comment (2025-11-18): Email confirming 100% replacement cost | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  | XXXX | Reviewer Comment (2025-11-14): Appraisal delivery evidence received. Exception cleared<br>Buyer Comment (2025-11-13): Appraisal delivery | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. |  |  | XXXX | Reviewer Comment (2025-11-14): Appraisal delivery evidence received. Exception cleared<br>Buyer Comment (2025-11-13): Please see uploaded appraisal delivery | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower was not provided. |  |  | XXXX | Reviewer Comment (2025-11-14): Appraisal delivery evidence received. Exception cleared<br>Buyer Comment (2025-11-13): Please see uploaded appraisal delivery | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). (Final/XXXX) | Amount Financed disclosed is XXXX Calculated Amount Financed is XXXX Variance of XXXX listed under section H. |  |  | XXXX | Reviewer Comment (2025-11-21): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-11-19): cure documents uploaded. Please see comments on related condition. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). (Final/XXXX) | Finance Charge disclosed is XXXX . Calculated finance charge is XXXX . Variance of - XXXX. Photo copies listed under section H. |  |  | XXXX | Reviewer Comment (2025-11-21): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-11-19): ROR, LOE, check, PCCD and tracking | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) XXXX Higher-Priced Mortgage Loan (Loan Exceeds HPML Thresholds and failed One or More Federal HPML Provisions Making Loan a Non-Compliant XXXX HPML - Refer to Federal HPML Exceptions for more details) | XXXX Higher-Priced Mortgage Loan: Federal HPML Not Compliant. Refer to failed messages for Federal HPML for more details. | XXXX Higher-Priced Mortgage Loan: Federal HPML Not Compliant. Refer to failed messages for Federal HPML for more details. |  |  | XXXX | Reviewer Comment (2025-11-14): Appraisal delivery evidence received. Exception cleared<br>Buyer Comment (2025-11-13): Please see uploaded appraisal delivery | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | XXXX HPML Threshold Test Non-Compliant | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX% Non-Compliant Higher Priced Loan. | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX% Non-Compliant Higher Priced Loan. |  |  | XXXX | Reviewer Comment (2025-11-14): Appraisal delivery evidence received. Exception cleared<br>Buyer Comment (2025-11-13): Please see uploaded appraisal delivery | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Cash Flow Analysis (Asset) not provided |  | Missing a signed letter from the CPA/Tax Preparer or an underwriter cash flow analysis is required to confirm that the withdrawal will not negatively impact<br> the business. Both business accounts.<br>Credit related |  |  | XXXX | Reviewer Comment (2025-11-26): Received updated 1008 and 1003 without business asset. Lender used Cash-out proceed to meet cash to close requirement. Per guideline "Cash-out proceeds from the subject transaction are an acceptable source to meet the reserve requirement" Exception cleared<br>Buyer Comment (2025-11-24): updated 1003 and 1008 with business assets removed. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | XXXX HPML Threshold Test Compliant | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX% Non-Compliant Higher Priced Loan. | New EV2 exception as result of documentation provided. APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + 1.5%, or XXXX% Compliant Higher Priced Loan. |  |  | XXXX | Buyer Comment (2025-11-14): Acknowledged non material EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | CPA Impact letter is missing in file for Account # XXXX, required per guideline. |  |  | XXXX | Reviewer Comment (2025-11-24): Lender has not considered XXXX for closing/reserves, CPA letter is not required. Also, updated 1003 and 1008 is provided. Exception Cleared<br>Buyer Comment (2025-11-20): 1003/1008. business account was removed<br>Reviewer Comment (2025-11-19): Lender has considered business funds #XXXX for closing/reserves and as per guide CPA letter is required if funds are using for closing/reserves. Exception remains<br>Buyer Comment (2025-11-17): 1008<br>Buyer Comment (2025-11-17): Lenders response: Program requires 6 months reserves and removing the business assets still provides 24 months reserves. See attached revised 1008/1003 and please advise if XXXX will allow for these funds to be excluded from reserve qualification. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Business Narrative, CPA Letter, Telephone Listing / Internet Search / Directory Assistance | 1. CPA letter provided is not dated<br>2. Business narrative is required from the borrower to describe the type of business and number of employees<br>2. Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with<br> one of the following<br>\*Evidence of current work (executed contracts or signed invoices); <br> \*Evidence of current business receipts; <br> \*Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  | XXXX | Reviewer Comment (2025-12-10): Business bank statement provided confirming business activity from transactions history. Exception Cleared<br>Buyer Comment (2025-12-08): Per Lender: Bank statements attached confirming business activity<br>Buyer Comment (2025-12-08): Statements<br>Reviewer Comment (2025-11-25): Noted CPA letter and Business Narrative document. guide also require any one of the following requirement:<br> i) Evidence of current work (executed contracts or signed invoices)<br> ii) Evidence of current business receipts<br> iii) Business website demonstrating activity supporting current business operations.<br>(Require recent month business account reflecting business receipt or business website or evidence of current work.)<br>Exception remains.<br>Buyer Comment (2025-11-21): CPA Letter<br>Reviewer Comment (2025-11-20): Business narrative is provided for XXXX however require CPA letter provided is not dated and Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with<br> one of the following<br> \*Evidence of current work (executed contracts or signed invoices); <br> \*Evidence of current business receipts; <br> \*Business website demonstrating activity supporting current business operations. Exception remains<br>Buyer Comment (2025-11-18): Business narrative | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided |  | CPA letter in file is not dated, require updated CPA letter. Credit related. |  |  | XXXX | Reviewer Comment (2025-11-25): CPA letter noted. exception cleared.<br>Buyer Comment (2025-11-21): See Income Docs Missing exception for doc | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | 1) Verification that the business is active and operating either no more than 10 business days<br> prior to the Note Date, or after the Note Date but prior to XXXX purchase, is required with<br> one of the following<br>Evidence of current work (executed contracts or signed invoices); Evidence of current business receipts; Business website demonstrating activity supporting current business operations.. Credit related. |  |  | XXXX | Reviewer Comment (2025-12-10): Business bank statement provided confirming business activity from transactions history. Exception Cleared<br>Buyer Comment (2025-12-08): See statements attached to Income Docs Missing exception<br>Reviewer Comment (2025-11-25): Still required .... Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with<br> one of the following<br>\*Evidence of current work (executed contracts or signed invoices); <br> \*Evidence of current business receipts; <br> \*Business website demonstrating activity supporting current business operations.<br>Reviewer Comment (2025-11-25): Noted CPA letter and Business Narrative document. guide also require any one of the following requirement:<br> i) Evidence of current work (executed contracts or signed invoices)<br> ii) Evidence of current business receipts<br> iii) Business website demonstrating activity supporting current business operations.<br>(Require recent month business account reflecting business receipt or business website or evidence of current work.)<br>Exception remains.<br>Buyer Comment (2025-11-21): See Income Docs Missing exception for doc | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | XXXX - 3% Points and Fees | XXXX XXXX% Points and Fees Test. Points and Fees on subject loan of XXXX% is in excess of the investor allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees total XXXX on a Federal Total Loan Amount of XXXX vs. an investor allowable total of XXXX (an overage of XXXX or .08162%). | EV2 informational |  |  | XXXX | Buyer Comment (2025-11-12): Acknowledged non-material EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-12-10): Business bank statement provided confirming business activity from transactions history. Exception Cleared<br>Buyer Comment (2025-12-08): See Income Docs Missing exception<br>Reviewer Comment (2025-11-25): Still require ... Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with<br> one of the following<br>\*Evidence of current work (executed contracts or signed invoices); <br> \*Evidence of current business receipts; <br> \*Business website demonstrating activity supporting current business operations.<br>Buyer Comment (2025-11-21): See Income Docs Missing exception for doc | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-12-10): Business bank statement provided confirming business activity from transactions history. Exception Cleared<br>Buyer Comment (2025-12-08): See Income Docs Missing exception<br>Reviewer Comment (2025-11-25): Still require ... Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with<br> one of the following<br>\*Evidence of current work (executed contracts or signed invoices); <br> \*Evidence of current business receipts; <br> \*Business website demonstrating activity supporting current business operations.<br>Buyer Comment (2025-11-21): See Income Docs Missing exception for doc | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. Require additional assets to meet the reserve requirement. Additional account with XXXX was provided but is a XXXX balance. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (2025-12-04): Investor exception provided.<br>Buyer Comment (2025-12-04): investor exception approval<br>Buyer Comment (2025-12-04): UW calculation attached on this response.<br>Reviewer Comment (2025-12-01): We added back the following documented POCB's XXXX, XXXX and XXXX. Reserves are now testing at XXXX vs 6 required. Off by XXXX now. The discrepancy now appears to be final CD reflects XXXX paid for insurance but only XXXX added back.<br>Buyer Comment (2025-12-01): Statements uploaded on XXXX reflects proof of XXXX for HOI, XXXX for CDA, and XXXX appraisal fee. Please review and clear.<br>Reviewer Comment (2025-11-25): Considering XXXX POCB Hazard for closing still there short of funds. Reviewed month in reserves XXXX vs required 6 months. required additional funds to meet the closing/reserves. exception remains.<br>Buyer Comment (2025-11-21): UW rebuttal<br>Reviewer Comment (2025-11-20): Require source of POCB XXXX (appraisal fee), XXXX (CDA fee) & XXXX (Hazard Insurance) paid from borrower account to meet the reserve requirement or additional asset. exception remains.<br>Reviewer Comment (2025-11-19): Cash to close including EMD+POCB+cash to close = XXXX. Documented cash XXXX = XXXX vs required reserves = XXXX. POCB'S were deducted from documented assets.<br>Buyer Comment (2025-11-18): Verified assets XXXX #XXXX XXXX Business assets.<br>Buyer Comment (2025-11-17): The matrix states if using WVOE for doc type and the borrower is FTHB, max LTV is 80%. <br>The doc type for this loan is 12-month Bank Statements. Max LTV 90% | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-12-04): Investor exception provided.<br>Buyer Comment (2025-12-04): UW calculation attached on this response.<br>Reviewer Comment (2025-11-28): When using XXXX in additional POCB the reserves are 5.99. 6 months are required.<br>Buyer Comment (2025-11-25): Please confirm you are considering POC XXXX, 1XXXX, and XXXX has been documented. Please provide revised and updated calculated reserves.<br>Reviewer Comment (2025-11-25): Considering XXXX POCB Hazard for closing still there short of funds. Reviewed month in reserves XXXX vs required 6 months. required additional funds to meet the closing/reserves. exception remains.<br>Buyer Comment (2025-11-21): UW Rebuttal<br>Reviewer Comment (2025-11-20): Require source of POCB XXXX (appraisal fee), XXXX (CDA fee) & XXXX (Hazard Insurance) paid from borrower account to meet the reserve requirement or additional asset. exception remains.<br>Reviewer Comment (2025-11-19): Cash to close including EMD+POCB+cash to close = XXXX. Documented cash XXXX = XXXX vs required reserves = XXXX. POCB'S were deducted from documented assets.<br>Buyer Comment (2025-11-18): Verified assets XXXX #XXXX XXXXBusiness assets. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-12-04): Investor exception provided.<br>Buyer Comment (2025-12-04): UW Rebuttal<br>Reviewer Comment (2025-12-01): PCCD not required<br>Buyer Comment (2025-12-01): We are ok to not receive a revised PC CD<br>Reviewer Comment (2025-11-25): Considering XXXX POCB Hazard for closing still there short of funds. Reviewed month in reserves XXXX vs required 6 months. required additional funds to meet the closing/reserves. exception remains.<br>Buyer Comment (2025-11-21): UW Rebuttal<br>Reviewer Comment (2025-11-20): Require source of POCB XXXX (appraisal fee), XXXX (CDA fee) & XXXX (Hazard Insurance) paid from borrower account to meet the reserve requirement or additional asset. exception remains.<br>Reviewer Comment (2025-11-19): Cash to close including EMD+POCB+cash to close = XXXX. Documented cash XXXX = XXXX vs required reserves = XXXX. POCB'S were deducted from documented assets.<br>Buyer Comment (2025-11-18): Verified assets XXXX #XXXX XXXX Business assets. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | XXXX - 3% Points and Fees | XXXX% Points and Fees Test. Points and Fees on subject loan of XXXX% is in excess of the investor allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees total XXXX on a Federal Total Loan Amount of XXXX vs. an investor allowable total of XXXX (an overage of XXXX or XXXX%). | EV2 informational |  |  | XXXX | Buyer Comment (2025-11-17): Acknowledged non-material EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | Require Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following: <br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations.<br> Compliance related |  |  | XXXX | Reviewer Comment (2025-12-03): Received Business Internet Search with Search date show Business currently open. Exception Cleared<br>Buyer Comment (2025-12-01): google search dated. The business is active.<br>Reviewer Comment (2025-11-25): Provided Business entity will not suffice the requirement. Provided google search/business website is not dated.<br> Required one of the following document within 10 business days from note date:-<br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations. Exception remains<br>Buyer Comment (2025-11-21): Entity info<br>Reviewer Comment (2025-11-21): Provided Business website/XXXX search is not dated, required business website/XXXX search/business invoice within 10 business days prior to the Note Date. Exception remains<br>Buyer Comment (2025-11-19): XXXX search | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | Rider - 1-4 Family is missing. |  |  | XXXX | Reviewer Comment (2025-11-21): Rider - 1-4 Family is provided. Exception cleared<br>Buyer Comment (2025-11-19): mtg w/1-4 family rider | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | Require Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following: <br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations.<br> Credit related. |  |  | XXXX | Reviewer Comment (2025-12-03): Received Business Internet Search with Search date show Business currently open. Exception Cleared<br>Buyer Comment (2025-12-01): dated google search<br>Reviewer Comment (2025-11-25): Provided Business entity will not suffice the requirement. Provided google search/business website is not dated.<br> Required one of the following document within 10 business days from note date:-<br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations. Exception remains<br>Buyer Comment (2025-11-21): see uploaded entity info<br>Reviewer Comment (2025-11-21): Provided Business website/Google search is not dated, required business website/google search/business invoice within 10 business days prior to the Note Date. Exception remains<br>Buyer Comment (2025-11-19): google search<br>Buyer Comment (2025-11-19): business google search | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-12-03): All Open ATR Exception has been Cleared<br>Buyer Comment (2025-12-01): please review<br>Reviewer Comment (2025-11-25): Provided Business entity will not suffice the requirement. Provided google search/business website is not dated.<br> Required one of the following document within 10 business days from note date:-<br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations. Exception remains<br>Buyer Comment (2025-11-21): please review<br>Reviewer Comment (2025-11-21): Provided Business website/Google search is not dated, required business website/google search/business invoice within 10 business days prior to the Note Date. Exception remains<br>Buyer Comment (2025-11-19): please review | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation, the required Verification of business document required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  | XXXX | Reviewer Comment (2025-12-03): All Open ATR Exception has been Cleared<br>Buyer Comment (2025-12-01): please review<br>Reviewer Comment (2025-11-25): Provided Business entity will not suffice the requirement. Provided google search/business website is not dated.<br> Required one of the following document within 10 business days from note date:-<br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations. Exception remains<br>Buyer Comment (2025-11-21): please review<br>Reviewer Comment (2025-11-21): Provided Business website/Google search is not dated, required business website/google search/business invoice within 10 business days prior to the Note Date. Exception remains<br>Buyer Comment (2025-11-19): please review | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. (XXXX) |  |  |  | XXXX | Reviewer Comment (2025-11-14): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Require updated Hazard Insurance document for subject property with city name as "XXXX" as in the current Hazard Insurance document City Name is reflecting as "XXXX". |  |  | XXXX | Reviewer Comment (2025-11-24): Hazard Insurance document for subject property with city name as "XXXX" is provided. Exception Cleared<br>Buyer Comment (2025-11-20): hoi | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXX) | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  | XXXX | Buyer Comment (2025-11-18): Acknowledged non-material EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118535 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Provided 1003 Initial is not signed by borrower or Lender. |  |  | XXXX | Reviewer Comment (2025-11-25): Noted signed initial 1003 application. exception cleared.<br>Buyer Comment (2025-11-21): 1003 | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118535 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (XXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | XXXX | Reviewer Comment (2025-11-25): Noted Counselling Disclosure List. exception cleared.<br>Buyer Comment (2025-11-21): Counseling list | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118535 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | Missing verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following:<br> • Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Credit related |  |  | XXXX | Reviewer Comment (2025-12-01): Executed work contract received valid till XXXX. as evidence of Business verification.Exception Cleared<br>Buyer Comment (2025-11-26): Work contract<br>Buyer Comment (2025-11-26): Secretary of State | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118535 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Listing / Internet Search / Directory Assistance | Missing verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following:<br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  | XXXX | Reviewer Comment (2025-12-01): Executed work contract received valid till XXXX. as evidence of Business verification.Exception Cleared<br>Buyer Comment (2025-11-26): see uploaded docs | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118535 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-12-01): All open Income asset ATR related exception has been cleared. Exception Cleared<br>Buyer Comment (2025-11-26): see uploaded docs | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118535 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-12-01): All open Income asset ATR related exception has been cleared. Exception Cleared<br>Buyer Comment (2025-11-26): see uploaded docs | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118550 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | Single Family Detached | As per guideline XXXX are ineligible property. As per 1004 appraisal report subject property Zoning description mentioned XXXX. As per 1004 appraisal report subject property has XXXX, XXXX, XXXX and XXXX. Review for acceptability | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX vs 6 | XXXX | Reviewer Comment (2025-11-14): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-11-13): Going Non-QM<br>Reviewer Comment (2025-11-13): Moving to XXXX<br>Buyer Comment (2025-11-11): Loan will be moving to XXXX<br>Buyer Comment (2025-11-11): investor exception approval | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118536 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Other | Require supporting mortgage free and clear documentation for REO "XXXX" |  |  | XXXX | Reviewer Comment (2025-10-09): Received evidence of Free and Cleared. Exception Cleared<br>Buyer Comment (2025-10-07): property overview XXXX<br>Buyer Comment (2025-10-07): per seller: B1s business;XXXX LLC purchased on XXXX for XXXX. Never opened a mortgage/lien secured by this property. B1s business sold property on XXXX for XXXX. prop tax XXXX3.08/12 (XXXX) HOI XXXX/12 (XXXX) = (XXXX) included in DTI Ratios<br>Reviewer Comment (2025-10-03): Received LOX, noted No lien Pending on the property with screenshot of subject property XXXX whereas Exception is raise for Property "XXXX" Exception Remains<br>Buyer Comment (2025-10-02): per seller: Property is retained. We see no liens pending on the property.<br>Buyer Comment (2025-10-02): lox | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | Non QM | N/A | No |
| XXXX | XXXX | 4350118536 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower was not provided. |  |  | XXXX | Buyer Comment (2025-10-01): Acknowledged non material EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | Non QM | N/A | No |
| XXXX | XXXX | 4350118536 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Require tax information worksheet. reviewed tax XXXX annual and XXXX / month, lender used XXXX annual and XXXX / month. |  |  | XXXX | Reviewer Comment (2025-10-29): Tax calc provided.<br>Buyer Comment (2025-10-27): per seller: Tax statement uploaded on XXXX verifies XXXX taxes as XXXX/12=XXXX. Insurance: XXXX/12=XXXX. Already included in REO PITIA<br>Reviewer Comment (2025-10-23): Noted Tax certificate where it show tax rate 1.5% but not the 1.25% so tax will be calculated based on 1.5% as XXXX x 1.5% = XXXX / 12 =XXXX require so updated 1003, 1008 and PCCD as per this calculated. exception remains.<br>Buyer Comment (2025-10-22): property detail<br>Buyer Comment (2025-10-22): tax bill<br>Buyer Comment (2025-10-22): tax calculator<br>Reviewer Comment (2025-10-15): Noted. Received the Tax rate and tax history. Tax rate reflects as XXXX in the year XXXX. As per your previous comment tax rate is XXXX%. Provide Tax calculation int he form of a document for annual tax as XXXX \* 1.25= XXXX annually and XXXX monthly. Exception Remains.<br>Buyer Comment (2025-10-14): tax rates<br>Buyer Comment (2025-10-14): tax history<br>Reviewer Comment (2025-10-09): Noted. tax calculation provided in comments. Provide Tax calculation worksheet with the calculation for the annual tax as XXXX \* 1.25 = XXXX monthly. Exception Remains.<br>Buyer Comment (2025-10-08): Est Property Value XXXXx1.25% = XXXX. This is a new construction year built less than a year. Estimated taxes are calculated based on appraisal value with improvement.<br>Reviewer Comment (2025-10-06): Noted Property History screen shot but it is not reflecting tax calculation to consider XXXX annual and XXXX / month, provide tax calculation how the tax amount of XXXX lender used. screenshot provided only XXXX tax amount. exception remains.<br>Buyer Comment (2025-10-03): Lender utilized more conservative approach (reviewed tax XXXX annual and XXXX / month, lender used XXXX annual and XXXX / month.)<br>Reviewer Comment (2025-10-03): Noted, Lender used estimated tax for qualification, however require estimate tax calculation for verification.<br>Buyer Comment (2025-10-02): lox<br>Buyer Comment (2025-10-02): per seller: Less than one year, newly constructed property so lender used estimated taxes. County portal has the taxes for land only. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | Non QM | N/A | No |
| XXXX | XXXX | 4350118536 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Verification business is active | Missing verification that the business XXXX is active and operating with one of the following: Evidence of current work; evidence of current business receipts; or Business website demonstrating activity supporting current business operations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (2025-10-24): Investor exception provided.<br>Buyer Comment (2025-10-22): loan will be moving to XXXX<br>Buyer Comment (2025-10-22): investor exception approval<br>Reviewer Comment (2025-10-08): CPA letter received however Per Guideline require One of the following business verification method <br> 1 Evidence of current work; <br> 2 evidence of current business receipts;<br> 3 Business website demonstrating activity supporting current business operations. Exception Remains<br>Buyer Comment (2025-10-06): cpa letter<br>Reviewer Comment (2025-10-03): SOS search is not acceptable source of verification additioanlly last annual report dated is not within 10 business days of closing date .per Guideline. Require one of the following method of verification Evidence of current work; evidence of current business receipts; or Business website demonstrating activity supporting current business operations. Exception Remains<br>Buyer Comment (2025-10-02): lox<br>Buyer Comment (2025-10-02): per seller: SOS was submitted and has a next renewal date of XXXX. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | Non QM | N/A | No |
| XXXX | XXXX | 4350118561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Income on Final 1003 does not match 1008. 1008 shows other income of XXXX. Also, appraisal value is incorrect which result in LTV discrepancy. |  |  | XXXX | Reviewer Comment (2025-11-24): Provided.<br>Buyer Comment (2025-11-21): 1008 | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). (Final/XXXX) | Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. page #3 is missing of final CD XXXX, however fields updated from initial CD to eliminate the reserves exception. Required updated final CD with all pages. |  |  | XXXX | Reviewer Comment (2025-11-24): SitusAMC received full copy of final CD<br>Buyer Comment (2025-11-21): Complete final CD | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | Credit Report: Original // Borrower: XXXX Housing history reflects a total of 1 reported late payments. | Guidelines require 0x30x12 measured from the report date. The supplement provided indicates a mortgage late reported XXXX X 30 days late for XXXX, is not within guidelines. No Lender Exception provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | XXXX vs 6<br>XXXX vs 50 | XXXX | Reviewer Comment (2025-11-24): Investor accepts and agrees t waive with compensating factors.<br>Buyer Comment (2025-11-20): Exception Approval Email<br>Buyer Comment (2025-11-20): Investor Approved Exception | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Up to 3 NSF checks and overdraft protection transfers in the most recent 12-month period are allowed with explanation from the borrower per guideline. Explanation not found in file. |  | LENDER EXCEPTION provided for bank statement loan with more than 3 NSF. Confirm acceptability for downgrade consideration. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | XXXX vs 6<br>XXXX vs 50 | XXXX | Reviewer Comment (2025-11-24): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-11-20): Lender Exception Approval<br>Buyer Comment (2025-11-20): Investor Exception Approval | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | Missing one of the following:<br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Credit related |  |  | XXXX | Reviewer Comment (2025-12-03): Internet search provided<br>Buyer Comment (2025-12-01): See Income Docs Missing exception for docs | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Telephone Listing / Internet Search / Directory Assistance | Missing one of the following:<br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  | XXXX | Reviewer Comment (2025-12-03): Internet search provided<br>Buyer Comment (2025-12-01): Search | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-12-03): Internet search provided<br>Buyer Comment (2025-12-01): See Income Docs Missing exception for docs | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-12-03): Internet search provided<br>Buyer Comment (2025-12-01): See Income Docs Missing exception for docs | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: 1084 or income worksheet not provided |  |  |  |  | XXXX | Reviewer Comment (2025-11-28): Received Income worksheet and Business website demonstrating activity supporting current business operations for business verification. Exception cleared<br>Buyer Comment (2025-11-25): income worksheet | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX 1084 or income worksheet, Telephone Listing / Internet Search / Directory Assistance | Missing on the following..<br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  | XXXX | Reviewer Comment (2025-11-28): Received Income worksheet and Business website demonstrating activity supporting current business operations for business verification. Exception cleared<br>Buyer Comment (2025-11-25): website<br>Buyer Comment (2025-11-25): income worksheet | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-28): All Open Income/Asset Related ATR Exception has been cleared. Exception cleared<br>Buyer Comment (2025-11-25): please review | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-11-28): All Open Income/Asset Related ATR Exception has been cleared. Exception cleared<br>Buyer Comment (2025-11-25): please review | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | Missing on the following..<br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Credit related |  |  | XXXX | Reviewer Comment (2025-11-28): Received Income worksheet and Business website demonstrating activity supporting current business operations for business verification. Exception cleared<br>Buyer Comment (2025-11-25): website | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX | Require Fraud Report as it is missing in file. |  |  | XXXX | Reviewer Comment (2025-12-03): Received Fraud Report of borrower. Exception Cleared<br>Buyer Comment (2025-12-01): Fraud report | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Insurance Verification, Other, Tax Verification | XXXX - Free and Clear per 1003 however no verification in file. Lender has considered expense of this property of XXXX-please provide documents for the Taxes and Insurance. |  |  | XXXX | Reviewer Comment (2025-12-23): Received lease agreement and 13 months cancelled check from XXXX till XXXX. Exception Cleared<br>Buyer Comment (2025-12-22): Lease to go with 12m checks previously uploaded<br>Reviewer Comment (2025-12-16): Received Updated 1003 Included XXXX as REO and XXXX as Rented property. per Guideline "For rental verification a standard VOR completed by a professional management company or 12 months bank statements/canceled checks and a lease agreement to document the term and payment are required." Exception Remains<br>Buyer Comment (2025-12-12): Please see updated 1008/1003. Please see the tax and insurance bill for investment property owned. Borrower doesn't own current residence, she rents.<br>Reviewer Comment (2025-12-11): It appears she owns, based on tax cert that reflects vested in her business XXXX <br>Revised 1003 reflects owned. <br>Provide evidence free and clear and evidence of insurance obligation or LOE confirming none (if F and C) and revised 1008 including in the ratios. <br>DTI subject to re-review.<br>Reviewer Comment (2025-12-10): Need clarification for property XXXX, as per tax certificate this property is owned by XXXX, also updated 1003 reflects this property is REO section do we need to consider this property in DTI calculations. Exception remains<br>Buyer Comment (2025-12-08): per lender 12 months rent checks for borrower, should not need insurance as she does not own this property.<br>Reviewer Comment (2025-12-03): Free and Clear & Insurance Verification document is not provided in file for REO property XXXX Exception Remains<br>Buyer Comment (2025-12-01): taxes for correct property. XXXX is not owned by borrower hence why it is not on the 1003. please disregard the previous documents uploaded.<br>Reviewer Comment (2025-11-28): Received Tax and insurance for other property XXXX whereas Require Tax and insurance verification for XXXX. Additionally Provide Evidence of property XXXX being sold as it is not disclosed in 1003. Exception Remains<br>Buyer Comment (2025-11-25): taxes and insurance | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Require Fraud Report as it is missing in file. |  |  | XXXX | Reviewer Comment (2025-12-03): Received Fraud Report of borrower. Exception Cleared<br>Buyer Comment (2025-12-01): see fraud report | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  | XXXX | Buyer Comment (2025-11-21): Acknowledged non-material EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-12-23): Exception approved to allow short reserves<br>Buyer Comment (2025-12-22): exception provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient assets, the required Verification of business document required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  | XXXX | Reviewer Comment (2025-12-23): Exception approved to allow short reserves<br>Buyer Comment (2025-12-22): exception provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 6.00. | Require Additional Assets to meet the Reserve requirements | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX0.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX% vs 50% | XXXX | Reviewer Comment (2025-12-23): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-12-19): investor exception approval<br>Reviewer Comment (2025-12-17): Again same bank statement provide, require additional bank statement to meet the reserves requirement of 6 months. Exception Remains<br>Buyer Comment (2025-12-16): bank statement<br>Reviewer Comment (2025-12-15): Noted bank statement however total verified reservesXXXX months vs required 6 months. exception remains.<br>Buyer Comment (2025-12-11): 1003 and additional bank statement | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is missing. |  |  | XXXX | Reviewer Comment (2025-12-03): E sign not required. Wet singed<br>Reviewer Comment (2025-12-03): E-Sign Consent Agreement is missing. Exception Remains<br>Buyer Comment (2025-12-01): All documents were wet signed from initial application - please clear | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX YTD Earnings | Provide proof of YTD earnings via bank statements, payroll registers or paystub equivalents covering a minimum of 30 days. YTD earnings XXXX be no less than 10% below the qualifying income. |  |  | XXXX | Reviewer Comment (2025-12-03): Bank statement is provided to support YTD Earnings. Exception Cleared<br>Buyer Comment (2025-12-01): bank statements | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118574 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Business Narrative | A business narrative is required from the borrower to describe the type of business and number of employees. |  |  | XXXX | Reviewer Comment (2025-12-11): Received Business narrative. Exception cleared.<br>Buyer Comment (2025-12-09): Business narrative | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118574 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower within 3 days of closing was not provided. |  |  | XXXX | Buyer Comment (2025-11-26): Acknowledged as non-material - Appraisal delivered XXXX. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118574 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing Employment documents result in the Due Diligence Loan Designation of ATR Risk. |  |  | XXXX | Reviewer Comment (2025-12-11): Received business narrative. Exception cleared<br>Buyer Comment (2025-12-09): see uploaded narrative | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118574 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation, the required Business Narrative was not provided. |  |  | XXXX | Reviewer Comment (2025-12-11): Received business narrative. Exception cleared<br>Buyer Comment (2025-12-09): see uploaded narrative | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. | Borrower: XXXX | Borrower qualified with 12 months P&L income therefore transcripts not required. MS |  |  | XXXX | Reviewer Comment (2025-12-09): Loans submitted with tax returns or tax transcripts are ineligible as per guide. Exception Cleared<br>Buyer Comment (2025-12-05): transcripts not required for P & L | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX | Missing Fraud Report. |  |  | XXXX | Reviewer Comment (2025-12-09): Fraud Report is provided in file for borrower. Exception Cleared<br>Buyer Comment (2025-12-08): fraud rpt | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: XXXX; Lien Position: 1 | The file is missing a copy of the secondary valuation required for securitization purposes.<br> UCDP and CU score is missing in file and as per guideline The seller must order a Collateral Desktop Analysis (CDA) from XXXX or an Appraisal Risk Review (AAR) from XXXX Intelligence for each loan with no collateral underwriter score (CU) or a score greater than 2.5 that does not include two appraisals. |  |  | XXXX | Reviewer Comment (2025-12-11): Received CDA. Exception cleared.<br>Buyer Comment (2025-12-10): cda | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | Require Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following: <br>• Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  | XXXX | Reviewer Comment (2025-12-16): Received Business Google Search with Review Result based on the nature of Business confirms Business is Active and Operative. Exception Cleared<br>Buyer Comment (2025-12-12): googled business<br>Reviewer Comment (2025-12-09): Verification that the business is active and operating within10 business days prior to the Note Date. However as per guide required one of the following: <br> • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. Compliance related. Exception remains<br>Buyer Comment (2025-12-08): google search | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Require 1008 document as it is missing in file. |  |  | XXXX | Reviewer Comment (2025-12-09): Loan Underwriting and Transmittal Summary (1008) provided. Exception Cleared<br>Buyer Comment (2025-12-08): 1008 | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | XXXX | Reviewer Comment (2025-12-16): All Open Income/Asset Related ATR Exception has been Cleared. Exception Cleared<br>Buyer Comment (2025-12-12): Please review | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  | XXXX | Reviewer Comment (2025-12-16): All Open Income/Asset Related ATR Exception has been Cleared. Exception Cleared<br>Buyer Comment (2025-12-12): please review<br>Reviewer Comment (2025-12-09): Verification that the business is active and operating within10 business days prior to the Note Date. However as per guide required one of the following: <br> • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. Compliance related. Exception remains<br>Buyer Comment (2025-12-08): please review | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Per Title, there are no mortgages and there are no mortgages being paid off at closing. UTD same Lender. |  |  | XXXX | Reviewer Comment (2025-12-23): Cure documentation received.<br>Buyer Comment (2025-12-19): Please cure upon expiration of RTC at midnight XXXX.<br>Reviewer Comment (2025-12-18): This can't be cured until XXXX.<br>Buyer Comment (2025-12-16): LOE<br>Buyer Comment (2025-12-16): Executed NRTC | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | XXXX Subprime Home Loan Threshold Fixed Non-Compliant | XXXX Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + 1.75%, or XXXX%. Non-Compliant SubPrime Loan. | EV2 informational |  |  | XXXX | Reviewer Comment (2025-12-24): Loan is XXXX Subprime Compliant.<br>Reviewer Comment (2025-12-23): Under IC review<br>Buyer Comment (2025-12-22): Please re-review - Response provided is in regards to Appraisal, however Exception is "Counseling Disclosure not provided to borrower within three days of application." and Lender's rebuttal is that their disclosure was timely because the loan was not hitting as subprime until they locked which is why they issued the disclosure at that time.<br>Reviewer Comment (2025-12-18): The HPML Appraisal rules under 1026.35 require that a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a higher-priced mortgage loan no later than 3 business days prior to closing. Our testing looks to verify that ALL written appraisals are provided to the consumer at least 3 days prior to closing. If there are revisions made to the original appraisal, we then look to determine whether the revised appraisal affected the value. If there is an impact to the value, that revised appraisal will be required to be provided at least 3 days prior to closing. If there are only clerical changes made to the revised appraisal, then we do not hold that revised appraisal to the 3-day timing window, but we simply just verify that it was provided to the consumer at some point (even if post-close). <br> An EV2 informational exception does fire indicating it was not provided 3 days prior to closing however the loan is still eligible to be considered HPML Compliant even with this EV2 exception.<br> Thank you,<br>Buyer Comment (2025-12-18): Please re-review - Per lender subprime status did not occur until time of lock. Original appraisal and delivery provided.<br>Reviewer Comment (2025-12-17): Under internal compliance review.<br>Buyer Comment (2025-12-16): Please see uploaded appraisal | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure XXXX be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure XXXX not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) XXXX Subprime Loan (Counseling Disclosure Not Provided within Three Days of Application) | XXXX Subprime Loan: Counseling Disclosure not provided to borrower within three days of application. | Missing evidence of earlier receipt. Application date is XXXX and doc was received XXXX, this is not within 3 days of application. |  |  | XXXX | Reviewer Comment (2025-12-24): Disclosure provided timely once loan was determined to be subprime.<br>Reviewer Comment (2025-12-23): Under IC review<br>Buyer Comment (2025-12-19): Please re-review - Response provided is in regards to Appraisal, however Exception is "Counseling Disclosure not provided to borrower within three days of application." and Lender's rebuttal is that their disclosure was timely because the loan was not hitting as subprime until they locked which is why they issued the disclosure at that time.<br>Reviewer Comment (2025-12-18): The HPML Appraisal rules under 1026.35 require that a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a higher-priced mortgage loan no later than 3 business days prior to closing. Our testing looks to verify that ALL written appraisals are provided to the consumer at least 3 days prior to closing. If there are revisions made to the original appraisal, we then look to determine whether the revised appraisal affected the value. If there is an impact to the value, that revised appraisal will be required to be provided at least 3 days prior to closing. If there are only clerical changes made to the revised appraisal, then we do not hold that revised appraisal to the 3-day timing window, but we simply just verify that it was provided to the consumer at some point (even if post-close). <br> An EV2 informational exception does fire indicating it was not provided 3 days prior to closing however the loan is still eligible to be considered HPML Compliant even with this EV2 exception.<br> Thank you,<br>Buyer Comment (2025-12-18): Please advise<br>Reviewer Comment (2025-12-17): Under internal compliance review.<br>Buyer Comment (2025-12-15): The loan was not hitting for subprime until it was locked on XXXX | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | XXXX - 3% Points and Fees | XXXX% Points and Fees Test. Points and Fees on subject loan of XXXX% is in excess of the investor allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees total XXXX on a Federal Total Loan Amount of XXXX vs. an investor allowable total of XXXX (an overage of XXXX or XXXX%). | EV2 informational |  |  | XXXX | Buyer Comment (2025-12-12): Acknowledged non-material EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  | XXXX | Reviewer Comment (2025-12-17): E-Sign Consent document within 3 days of application. exception cleared.<br>Buyer Comment (2025-12-15): Econsent | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXX) | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  | XXXX | Reviewer Comment (2025-12-17): Earlier dated OA provided.<br>Buyer Comment (2025-12-16): Original appraisal | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (XXXX): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | New exception as a result of docs provided. Testing as HPML. 2nd valuation dated XXXX 1-day prior to closing |  |  | XXXX | Buyer Comment (2025-12-24): Compliant. Ev2 informationa<br>Reviewer Comment (2025-12-24): Subprime Compliant. Ev2 informational and now be waived.<br>Reviewer Comment (2025-12-23): Under IC review<br>Buyer Comment (2025-12-23): This was already provided back on XXXX and cleared on XXXX, the delivery for the original was initially in the file and the original appraisal was requested in the other appraisal exception.<br>Reviewer Comment (2025-12-23): Appraisal report was provided on XXXX within 3 days of Note date, provide prior appraisal report provided to borrower with delivery instruction. exception remains<br>Buyer Comment (2025-12-22): Subsequent delivery<br>Reviewer Comment (2025-12-18): Internal compliance review response. The HPML Appraisal rules under 1026.35 require that a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a higher-priced mortgage loan no later than 3 business days prior to closing. Our testing looks to verify that ALL written appraisals are provided to the consumer at least 3 days prior to closing. If there are revisions made to the original appraisal, we then look to determine whether the revised appraisal affected the value. If there is an impact to the value, that revised appraisal will be required to be provided at least 3 days prior to closing. If there are only clerical changes made to the revised appraisal, then we do not hold that revised appraisal to the 3-day timing window, but we simply just verify that it was provided to the consumer at some point (even if post-close). <br> An EV2 informational exception does fire indicating it was not provided 3 days prior to closing however the loan is still eligible to be considered HPML Compliant even with this EV2 exception.<br> Thank you,<br>Buyer Comment (2025-12-18): Please re-review and confirm this exception is accurate. It seems based off of previous HPML status loans that receipt of the Original version of the Appraisal and the delivery of the original report cleared these exceptions - the XXXX report was not an additional valuation, but a clerical update made to the original version of the only appraisal report completed which normally has not historically resulted in additional exceptions. Please advise. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | XXXX Subprime Home Loan Threshold Fixed Compliant | XXXX Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + 1.75%, or XXXX%. Compliant SubPrime Loan. | Loan is XXXX Subprime Compliant. |  |  | XXXX | Buyer Comment (2025-12-24): Compliant. Ev2 informationa | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure XXXX be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure XXXX not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| XXXX | XXXX | 4350118576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) | New exception as a result of appraisal delivery provided post-closing. Loan is Subprime Compliant. Ev2 informational and now be waived. |  |  | XXXX | Buyer Comment (2025-12-24): Compliant. Ev2 informational | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing Electronic Consent. |  |  | XXXX | Reviewer Comment (2025-11-28): Received E-signed Consent agreement. Exception Cleared<br>Buyer Comment (2025-11-25): Econsent | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Require Tax certificate document as it is missing for Subject property. |  |  | XXXX | Reviewer Comment (2025-12-01): Received Tax cert for subject property. exception Cleared<br>Buyer Comment (2025-11-26): Tax Cert | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower within 3 days of closing was not provided. |  |  | XXXX | Buyer Comment (2025-11-28): Acknowledged non material EV2<br>Reviewer Comment (2025-11-28): Provide Original appraisal as borrower acknowledged received of Appraisal on XXXX and available report date is XXXX Require Original appraisal. Exception remains<br>Buyer Comment (2025-11-25): Appraisal Acknowledgment/Waiver | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXX) | Verification appraisal was delivered to borrower within 3 days of closing was not provided. |  |  | XXXX | Buyer Comment (2025-11-28): Acknowledged non material EV2<br>Reviewer Comment (2025-11-28): Provide Original appraisal as borrower acknowledged received of Appraisal on XXXX and available report date is XXXX. Require Original appraisal. Exception remains<br>Buyer Comment (2025-11-25): Please see uploaded appraisal acknowledgement/waiver | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:63299/XXXX) | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  |  | XXXX | Buyer Comment (2025-11-28): Acknowledged non material EV2<br>Reviewer Comment (2025-11-28): Require Original Report for both Appraisal As borrower Acknowledging Received of appraisal prior to Appraisal report date. Exception Remains<br>Buyer Comment (2025-11-25): Please see uploaded appraisal acknowledgement/waiver | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Red flag warning list hit. | Valuation Type: Appraisal / Valuation Report Date: XXXX Additional review of valuation company required.<br>Valuation Company: XXXX | Additional review of valuation company required Valuation Company: XXXX |  |  | XXXX | Reviewer Comment (2025-12-03): Recon provided.<br>Buyer Comment (2025-12-01): Recon uploaded - Per XXXX, OK to clear | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Red flag warning list hit. | Valuation Type: Appraisal / Valuation Report Date: XXXX Additional review of appraiser and/or supervisory appraiser required.<br>Appraiser: XXXX<br> Supervisory Appraiser: | Additional review of appraiser and/or supervisory appraiser required. Appraiser: XXXX |  |  | XXXX | Reviewer Comment (2025-12-03): Recon provided.<br>Buyer Comment (2025-12-01): Per XXXX, OK to clear<br>Buyer Comment (2025-12-01): Recon | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of XXXX is less than Guideline Available for Reserves of XXXX. | Require additional assets to meet the reserve requirements since per guidelines cash-out Refinance from Subject property is not an acceptable source to meet the Reserve requirement. |  |  | XXXX | Reviewer Comment (2025-12-15): Noted personal checking account sufficient asset available to meet funds required for closing/reserves. exception cleared.<br>Buyer Comment (2025-12-11): Statements<br>Reviewer Comment (2025-12-03): Business asset Not acceptable source to meet Reserve Requirement per Guideline<br>Buyer Comment (2025-12-01): Per Lender: The AUS required reserves are validated with bank statements in the file<br>Buyer Comment (2025-12-01): Statements | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.32796% exceeds Guideline total debt ratio of 50.00000%. | S-Corp - XXXX- Lender has considered 100% for Year XXXX for income calculation however as per K-1 2024 borrower's current allocation % is reflecting as 52.62% due to which there is variance in income. For below mentioned Business lender has considered income as per Start date as XXXX however business start date is updated as per respective business documents due to which there is a variance in Income. DTI approved 45.775% and Calculated DTI is 51.18%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX vs 6 | XXXX | Reviewer Comment (2025-12-18): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-12-17): Please move loan to XXXX, Non-QM v12 New Cust #XXXX, seller ID remains same<br>Buyer Comment (2025-12-15): Loan will be moving to XXXX<br>Buyer Comment (2025-12-15): investor exception approval | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXXX) |  |  |  | XXXX | Reviewer Comment (2025-12-18): XXXX previously waived other EV2 based n following: Acknowledged non material EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | 4350118578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (XXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.32796% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX vs 6 | XXXX | Reviewer Comment (2025-12-18): Investor accepts and agrees to waive with compensating factors | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |

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## Exhibit 99.4

**Exhibit 99.4**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex99-001.jpg)

**Rating Agency Grades**

**Run Date - 1/14/2026 12:01:21 PM**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL 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** | **Deal ID** | **Seller Loan ID** | **Mapped ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX | XXXX | 4350118582 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118590 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118453 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | 4350118592 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118595 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118591 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118589 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118731 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118593 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118596 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A C | A C | B |  | A | B |  |
| XXXX | XXXX | 4350118615 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118594 | XXXX | XXXX | XXXX | XXXX | XXXX B | C D | A | C D | B | B | A | B |  |
| XXXX | XXXX | 4350118503 | XXXX | XXXX | XXXX | XXXX | XXXX B | B | A | B | B | B | A | B |  |
| XXXX | XXXX | 4350118500 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | C | C | A | A | A | A |  |
| XXXX | XXXX | 4350118638 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118598 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118506 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118733 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118767 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118637 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | A | A | A |  |
| XXXX | XXXX | 4350118651 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118635 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118691 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118796 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118511 | XXXX | XXXX | XXXX | XXXX | XXXX A | D | A | D | A | B | A | B |  |
| XXXX | XXXX | 4350118632 | XXXX | XXXX | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118601 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118804 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118763 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118773 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118667 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118761 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118704 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118608 | XXXX | XXXX | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118619 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118599 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118465 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118646 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118471 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118628 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118466 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118682 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118668 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118612 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118603 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118762 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | C | C | B | A | A | B |  |
| XXXX | XXXX | 4350118671 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | 4350118676 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118664 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118464 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118677 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | 4350118611 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118766 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118699 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | 4350118502 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118510 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118606 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118462 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118657 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118642 | XXXX | XXXX | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118705 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118614 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118656 | XXXX | XXXX | XXXX | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118631 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118654 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118472 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118831 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118641 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118701 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | 4350118652 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118604 | XXXX | XXXX | XXXX | XXXX | XXXX A | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118620 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118735 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118810 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118661 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118507 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118660 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118759 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118515 | XXXX | XXXX | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118629 | XXXX | XXXX | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118730 | XXXX | XXXX | XXXX | XXXX | XXXX B | B | A | B | B | B | A | B |  |
| XXXX | XXXX | 4350118624 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118622 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118499 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118696 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118741 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | D | D | B | A | A | B |  |
| XXXX | XXXX | 4350118715 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118602 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118802 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118726 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118750 | XXXX | XXXX | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118655 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118618 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118692 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | 4350118508 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118678 | XXXX | XXXX | XXXX | XXXX | XXXX B | B | A | B | B | B | A | B |  |
| XXXX | XXXX | 4350118765 | XXXX | XXXX | XXXX | XXXX | XXXX D | A | A | D | A | A | A | A |  |
| XXXX | XXXX | 4350118623 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118779 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118468 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | 4350118613 | XXXX | XXXX | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118793 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118653 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118523 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118666 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118695 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118681 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118833 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118753 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118799 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118650 | XXXX | XXXX | XXXX | XXXX | XXXX A | C | C | C | A | B | A | B |  |
| XXXX | XXXX | 4350118694 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | A | A | A |  |
| XXXX | XXXX | 4350118509 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118625 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118690 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118829 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118675 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118609 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118630 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118498 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | 4350118469 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118459 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118467 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118497 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118504 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118626 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118700 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118579 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118693 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | D | D | B |  | A | B |  |
| XXXX | XXXX | 4350118663 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118768 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118505 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118670 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118707 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118843 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118769 | XXXX | XXXX | XXXX | XXXX | XXXX B | D | A | D | B | A | A | B |  |
| XXXX | XXXX | 4350118719 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118745 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118688 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118640 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118649 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118754 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | 4350118709 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118686 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118647 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118633 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118645 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118830 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118643 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118868 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118673 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118747 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118669 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118794 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118720 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118648 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118721 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118639 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118460 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118473 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118698 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118776 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118617 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118610 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118795 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118470 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118496 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118616 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118716 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | B |  | A | B |  |
| XXXX | XXXX | 4350118706 | XXXX | XXXX | XXXX | XXXX | XXXX C | B | B | C | B | B | B | B |  |
| XXXX | XXXX | 4350118495 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118580 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118672 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118835 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | 4350118494 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118734 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | B | B | B | A | B | B |  |
| XXXX | XXXX | 4350118851 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118729 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118513 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118514 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118522 | XXXX | XXXX | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118493 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118454 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118674 | XXXX | XXXX | XXXX | XXXX | XXXX B | B | A | B | B | B | A | B |  |
| XXXX | XXXX | 4350118456 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118805 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118728 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118788 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118718 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118717 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118832 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118812 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118711 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118764 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118714 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118665 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118758 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118823 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118463 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118457 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | C | C | A |  | A | A |  |
| XXXX | XXXX | 4350118845 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | 4350118659 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118679 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118818 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118512 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118644 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118627 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118738 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | C | C | B | A | A | B |  |
| XXXX | XXXX | 4350118662 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118703 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118770 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118743 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118850 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118725 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | 4350118461 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118839 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118755 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118621 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118724 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118722 | XXXX | XXXX | XXXX | XXXX | XXXX A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118740 | XXXX | XXXX | XXXX | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118458 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118455 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118521 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118684 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118824 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118474 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | 4350118842 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118737 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118739 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118710 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118727 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118723 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118772 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118708 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | 4350118492 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118685 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118813 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | 4350118520 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | A | A | A |  |
| XXXX | XXXX | 4350118867 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | B | B | A | A | B | B |  |
| XXXX | XXXX | 4350118781 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118846 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118689 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118771 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118581 | XXXX | XXXX | XXXX | XXXX | XXXX C | B | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118757 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118687 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118756 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | 4350118746 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | 4350118491 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118817 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118778 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118712 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118777 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118854 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118801 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118490 | XXXX | XXXX | XXXX | XXXX | XXXX C D |  | A | C D | A |  | A | A |  |
| XXXX | XXXX | 4350118752 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118841 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118790 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118848 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118751 | XXXX | XXXX | XXXX | XXXX | XXXX B | B | A | B | B | B | A | B |  |
| XXXX | XXXX | 4350118791 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118736 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118862 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118749 | XXXX | XXXX | XXXX | XXXX | XXXX C D |  | A | C D | A |  | A | A |  |
| XXXX | XXXX | 4350118784 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118840 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | 4350118489 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118488 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118487 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118486 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118811 | XXXX | XXXX | XXXX | XXXX | XXXX C | B | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118792 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | 4350118803 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118485 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118815 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118484 | XXXX | XXXX | XXXX | XXXX | XXXX D |  | A | D | B |  | A | B |  |
| XXXX | XXXX | 4350118748 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118483 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118482 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118844 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118786 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118852 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118481 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118787 | XXXX | XXXX | XXXX | XXXX | XXXX C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | 4350118775 | XXXX | XXXX | XXXX | XXXX | XXXX A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118847 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118814 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118518 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118780 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118849 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118480 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118782 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118517 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118785 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118853 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118798 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118827 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118479 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118826 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118797 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118478 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118477 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118476 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118516 | XXXX | XXXX | XXXX | XXXX | XXXX B | B | A | B | B | B | A | B |  |
| XXXX | XXXX | 4350118864 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | 4350118808 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118475 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118855 | XXXX | XXXX | XXXX | XXXX | XXXX A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | 4350118865 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | 4350118838 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118860 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118866 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | 4350118856 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118519 | XXXX | XXXX | XXXX | XXXX | XXXX D | D | A | D | B | A | A | B |  |
| XXXX | XXXX | 4350118858 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118857 | XXXX | XXXX | XXXX | XXXX | XXXX B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | #N/A | XXXX | XXXX | XXXX | XXXX | XXXX C | C | D | D | A | A | A | A |  |
| XXXX | XXXX | 4350118542 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118559 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118564 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | C | C | A | A | A | A |  |
| XXXX | XXXX | 4350118543 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118538 | XXXX | XXXX | XXXX | XXXX | XXXX D | D | A | D | B | A | A | B |  |
| XXXX | XXXX | 4350118525 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118557 | XXXX | XXXX | XXXX | XXXX | XXXX C D | A | A | C D | B | A | A | B |  |
| XXXX | XXXX | 4350118570 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118567 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118560 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118566 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118575 | XXXX | XXXX | XXXX | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118577 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118539 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118541 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118537 | XXXX | XXXX | XXXX | XXXX | XXXX D | B | A | D | A | A | A | A |  |
| XXXX | XXXX | 4350118540 | XXXX | XXXX | XXXX | XXXX | XXXX C D | A | A | C D | A | A | A | A |  |
| XXXX | XXXX | 4350118545 | XXXX | XXXX | XXXX | XXXX | XXXX B | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118530 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118526 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118533 | XXXX | XXXX | XXXX | XXXX | XXXX C | B | C | C | A | A | A | A |  |
| XXXX | XXXX | 4350118531 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118547 | XXXX | XXXX | XXXX | XXXX | XXXX C | B | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118554 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118524 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118553 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118534 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | 4350118532 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118549 | XXXX | XXXX | XXXX | XXXX | XXXX A | B | A | B | A | A | A | A |  |
| XXXX | XXXX | 4350118529 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118558 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118527 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118551 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118546 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118548 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118555 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118565 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118528 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118556 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118569 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118563 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118562 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118544 | XXXX | XXXX | XXXX | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118535 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118550 | XXXX | XXXX | XXXX | XXXX | XXXX B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | 4350118536 | XXXX | XXXX | XXXX | XXXX | XXXX C | B | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118561 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | 4350118552 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118568 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | 4350118571 | XXXX | XXXX | XXXX | XXXX | XXXX C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | 4350118574 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118572 | XXXX | XXXX | XXXX | XXXX | XXXX C | C | D | D | A | B | A | B |  |
| XXXX | XXXX | 4350118576 | XXXX | XXXX | XXXX | XXXX | XXXX C | B | A | C | A | B | A | B |  |
| XXXX | XXXX | 4350118573 | XXXX | XXXX | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | 4350118578 | XXXX | XXXX | XXXX | XXXX | XXXX C | B | A | C | B | B | A | B |  |

---

## Exhibit 99.5

**Exhibit 99.5**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex99-001.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 1/14/2026 12:14:30 PM** 

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Deal ID** | **Seller Loan ID** | **Mapped ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxx | xxxx | 4350118582 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118582 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118582 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118582 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118582 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118582 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118582 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118582 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118582 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118590 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118590 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118590 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118590 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118590 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118590 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118590 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118453 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118453 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118453 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118453 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118453 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118453 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118453 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118592 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118592 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118592 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118592 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118595 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118595 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118595 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118595 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118595 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118595 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118595 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118595 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118591 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118591 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118589 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118589 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118589 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118589 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118731 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118731 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118731 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118731 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118731 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118731 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118731 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118731 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118731 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118731 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118593 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118593 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118593 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118593 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118593 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118593 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118593 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118596 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118596 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118615 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118615 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118615 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118615 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118615 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118594 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118594 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118594 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118594 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118594 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118503 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118503 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118503 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118503 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118503 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118503 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118503 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118500 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118500 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118500 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118500 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118638 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118638 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118638 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118638 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118598 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118598 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118598 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118598 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118598 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118598 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118506 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118506 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118506 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118506 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118506 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118506 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118733 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118733 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118733 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118733 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118733 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118733 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118767 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118767 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118767 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118767 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118767 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118767 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118767 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118767 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118767 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118637 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118637 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118637 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118637 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118651 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118651 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118651 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118651 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118635 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118635 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118635 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118635 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118635 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118635 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118635 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118691 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118691 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118691 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118691 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118796 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118796 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118796 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118796 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118796 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118511 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118511 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118511 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118511 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118511 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118511 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118511 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118632 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118632 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118632 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118632 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118632 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118601 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118601 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118601 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118601 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118601 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118601 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118804 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118804 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118804 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118804 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118763 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118763 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118763 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118763 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118773 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118773 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118773 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118773 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118773 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118667 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118667 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118667 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118667 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118761 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118761 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118761 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118761 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118704 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118704 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118704 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118608 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118608 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118608 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118619 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118619 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118619 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118619 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118599 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118599 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118599 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118599 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118599 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118465 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118465 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118465 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118465 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118465 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118465 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118465 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118646 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118646 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118646 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118646 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118471 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118471 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118471 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118471 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118471 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118471 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118471 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118471 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118471 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118471 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118628 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118628 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118628 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118628 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118628 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118628 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118628 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118466 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118466 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118466 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118466 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118466 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118466 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118682 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118682 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118682 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118682 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118682 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118682 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118668 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118668 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118668 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118612 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118612 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118612 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118612 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118612 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118612 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118603 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118603 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118603 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118603 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118762 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118762 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118762 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118762 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118762 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118671 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118671 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118671 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118671 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118671 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118671 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118671 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118676 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118676 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118676 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118676 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118676 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118676 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118664 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118664 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118664 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118664 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118664 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118664 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118664 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118664 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118664 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118664 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118464 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118464 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118464 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118464 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118464 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118464 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118464 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118677 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118677 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118677 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118677 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118611 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118611 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118611 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118611 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118611 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118611 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118611 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118766 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118766 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118766 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118766 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118766 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118699 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118699 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118699 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118699 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118699 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118699 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118502 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118502 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118502 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118502 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118502 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118510 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118510 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118510 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118510 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118510 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118510 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118510 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118606 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118606 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118606 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118462 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118462 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118462 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118462 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118462 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118462 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118462 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118657 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118657 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118657 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118657 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118657 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118657 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118657 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118657 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118642 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118642 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118642 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118642 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118642 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118705 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118705 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118705 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118705 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118705 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118614 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118614 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118614 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118614 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118614 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118614 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118614 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118614 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118614 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118614 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118656 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118656 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118656 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118656 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118656 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118656 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118656 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118656 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118631 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118631 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118631 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118631 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118631 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118654 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118654 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118654 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118654 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118654 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118654 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118654 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118654 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118654 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118472 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118472 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118472 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118472 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118831 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118831 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118831 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118831 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118831 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118831 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118831 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118641 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118641 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118641 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118641 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118641 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118641 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118641 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118641 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118701 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118701 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118701 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118652 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118652 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118652 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118652 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118652 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118652 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118652 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118604 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118604 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118604 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118604 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118604 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118604 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118604 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118620 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118620 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118620 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118620 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118620 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118620 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118620 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118735 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118735 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118735 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118735 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118735 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118810 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118810 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118810 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118810 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118661 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118661 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118661 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118507 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118507 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118507 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118507 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118507 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118507 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118507 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118660 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118660 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118660 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118759 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118759 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118759 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118515 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118515 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118515 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118515 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118515 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118515 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118515 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118629 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118629 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118629 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118629 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118629 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118629 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118730 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118730 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118730 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118730 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118730 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118730 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118730 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118730 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118624 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118624 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118624 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118624 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118622 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118622 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118622 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118622 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118622 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118622 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118499 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118499 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118499 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118499 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118499 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118499 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118499 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118499 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118696 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118696 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118696 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118696 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118696 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118696 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118741 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118741 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118741 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118741 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118741 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118715 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118715 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118602 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118602 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118602 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118602 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118602 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118602 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118602 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118802 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118802 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118802 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118802 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118726 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118726 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118726 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118726 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118726 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118726 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118726 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118750 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118750 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118750 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118750 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118655 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118655 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118655 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118655 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118655 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118618 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118618 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118618 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118618 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118618 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118618 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118618 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118618 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118692 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118692 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118692 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118692 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118692 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118692 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118508 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118508 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118508 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118508 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118508 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118678 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118678 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118678 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118678 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118678 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118678 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118765 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118765 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118765 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118765 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118623 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118623 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118623 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118779 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118779 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118779 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118468 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118468 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118468 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118468 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118468 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118468 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118468 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118468 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118613 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118613 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118613 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118613 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118613 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118653 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118653 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118653 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118653 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118523 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118523 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118523 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118523 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118523 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118666 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118666 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118666 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118666 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118666 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118666 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118695 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118695 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118695 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118695 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118695 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118833 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118833 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118833 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118833 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118833 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118833 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118833 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118753 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118753 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118753 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118753 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118753 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118753 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118753 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118753 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118799 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118799 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118799 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118799 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118799 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118799 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118799 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118799 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118650 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118650 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118650 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118650 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118650 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118694 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118694 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118694 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118694 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118694 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118694 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118509 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118509 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118509 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118509 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118509 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118625 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118625 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118625 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118625 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118625 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118690 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118690 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118690 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118690 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118690 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118690 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118690 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118690 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118829 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118829 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118829 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118829 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118829 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118829 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118829 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118829 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118829 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118829 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118609 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118609 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118609 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118630 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118630 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118630 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118630 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118630 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118630 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118498 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118498 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118498 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118498 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118498 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118498 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118498 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118498 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118469 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118469 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118469 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118469 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118469 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118469 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118469 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118459 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118459 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118459 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118459 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118459 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118459 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118459 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118467 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118467 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118467 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118467 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118467 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118467 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118497 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118497 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118497 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118497 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118497 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118497 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118497 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118497 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118497 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118504 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118504 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118504 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118504 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118504 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118504 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118626 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118626 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118626 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118626 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118626 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118626 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118700 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118700 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118700 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118700 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118700 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118579 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118579 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118579 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118579 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118579 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118693 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118693 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118693 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118693 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118693 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118693 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118693 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118693 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118663 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118663 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118663 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118663 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118663 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118663 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118663 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118663 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118768 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118768 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118768 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118768 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118768 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118768 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118768 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118505 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118505 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118505 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118505 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118505 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118505 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118505 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118505 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118670 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118670 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118670 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118670 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118707 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118707 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118707 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118707 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118843 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118843 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118843 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118843 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118843 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118843 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118769 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118769 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118769 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118769 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118769 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118719 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118745 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118745 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118745 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118745 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118688 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118688 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118640 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118640 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118640 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118640 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118640 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118649 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118649 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118649 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118649 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118649 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118649 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118754 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118754 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118754 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118754 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118754 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118754 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118754 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118709 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118709 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118709 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118686 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118686 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118686 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118686 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118686 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118686 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118686 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118647 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118647 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118647 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118647 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118647 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118647 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118633 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118633 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118633 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118633 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118633 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118633 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118633 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118633 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118645 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118645 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118645 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118645 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118830 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118830 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118830 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118830 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118830 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118830 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118643 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118643 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118643 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118643 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118643 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118643 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118643 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118643 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118868 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118868 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118868 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118868 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118868 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118868 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118673 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118673 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118673 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118673 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118747 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118747 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118747 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118747 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118747 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118747 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118669 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118669 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118669 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118669 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118669 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118794 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118794 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118794 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118720 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118720 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118720 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118720 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118720 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118648 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118648 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118648 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118648 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118648 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118648 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118721 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118721 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118721 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118721 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118721 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118721 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118639 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118639 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118639 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118639 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118639 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118639 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118639 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118460 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118460 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118460 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118460 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118473 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118473 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118473 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118473 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118473 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118698 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118698 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118698 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118698 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118776 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118776 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118776 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118776 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118776 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118776 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118776 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118617 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118617 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118617 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118617 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118610 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118610 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118610 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118610 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118610 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118795 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118795 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118795 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118795 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118795 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118795 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118470 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118470 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118470 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118470 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118470 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118470 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118470 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118470 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118470 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118470 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118496 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118496 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118496 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118496 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118496 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118496 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118616 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118616 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118616 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118616 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118716 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118716 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118716 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118706 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118706 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118706 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118706 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118706 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118706 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118495 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118495 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118495 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118495 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118580 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118580 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118580 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118580 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118580 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118580 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118672 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118672 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118672 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118835 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118835 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118835 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118835 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118835 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118494 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118494 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118734 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118734 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118734 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118851 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118851 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118851 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118729 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118729 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118729 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118729 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118729 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118729 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118729 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118513 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118513 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118513 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118513 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118513 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118513 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118513 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118513 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118513 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118514 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118514 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118514 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118514 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118514 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118522 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118522 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118522 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118522 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118522 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118522 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118522 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118522 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118522 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118493 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118493 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118493 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118493 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118493 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118493 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118493 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118454 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118454 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118454 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118454 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118454 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118454 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118674 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118674 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118674 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118674 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118674 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118456 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118456 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118456 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118456 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118456 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118805 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118805 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118728 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118728 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118728 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118728 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118788 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118788 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118788 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118788 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118788 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118788 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118718 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118718 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118718 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118717 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118717 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118717 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118717 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118717 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118717 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118717 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118832 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118832 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118832 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118832 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118812 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118812 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118812 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118812 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118812 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118812 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118711 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118711 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118711 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118711 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118711 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118711 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118711 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118711 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118764 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118764 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118764 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118714 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118714 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118714 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118714 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118665 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118665 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118665 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118665 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118758 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118758 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118758 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118758 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118758 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118758 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118758 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118823 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118823 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118823 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118823 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118823 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118823 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118463 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118463 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118463 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118463 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118463 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118463 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118457 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118457 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118457 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118457 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118457 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118457 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118845 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118845 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118845 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118845 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118845 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118659 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118659 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118659 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118659 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118679 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118679 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118679 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118679 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118679 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118679 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118818 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118818 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118818 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118818 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118512 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118512 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118512 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118512 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118512 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118512 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118512 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118512 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118512 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118644 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118644 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118644 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118644 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118644 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118627 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118627 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118627 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118627 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118738 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118738 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118738 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118738 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118662 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118662 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118662 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118662 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118662 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118703 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118703 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118703 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118703 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118703 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118703 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118703 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118770 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118770 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118770 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118743 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118743 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118743 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118743 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118850 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118850 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118850 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118850 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118850 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118461 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118461 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118461 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118461 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118461 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118839 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118839 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118839 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118839 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118839 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118755 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118755 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118755 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118755 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118755 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118621 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118621 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118621 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118621 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118621 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118621 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118724 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118724 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118724 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118724 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118724 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118724 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118740 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118740 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118740 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118740 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118740 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118740 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118740 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118740 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118740 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118740 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118740 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118458 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118458 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118458 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118458 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118458 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118458 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118455 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118455 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118455 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118455 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118455 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118521 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118521 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118521 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118521 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118521 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118521 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118684 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118684 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118684 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118684 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118684 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118824 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118824 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118824 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118824 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118474 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118474 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118474 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118474 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118474 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118842 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118842 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118842 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118842 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118737 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118737 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118737 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118737 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118737 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118739 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118739 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118739 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118739 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118739 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118739 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118710 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118710 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118727 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118727 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118727 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118727 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118727 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118723 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118723 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118723 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118723 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118723 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118723 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118723 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118723 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118723 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118772 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118772 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118772 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118772 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118772 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118708 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118708 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118708 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118708 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118708 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118708 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118492 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118492 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118492 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118492 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118492 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118685 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118685 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118685 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118685 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118685 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118685 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118813 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118813 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118813 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118813 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118813 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118813 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118520 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118520 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118520 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118520 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118520 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118867 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118867 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118867 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118867 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118867 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118867 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118867 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118867 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118781 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118781 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118781 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118781 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118781 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118846 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118846 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118846 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118846 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118689 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118689 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118689 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118689 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118689 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118771 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118771 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118771 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118771 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118771 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118581 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118581 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118581 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118581 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118581 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118581 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118581 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118757 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118757 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118757 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118687 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118687 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118687 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118687 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118687 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118756 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118756 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118756 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118756 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118746 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118746 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118746 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118746 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118491 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118491 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118491 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118491 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118491 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118491 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118491 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118817 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118817 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118817 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118778 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118778 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118778 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118778 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118712 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118712 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118712 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118712 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118777 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118777 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118777 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118777 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118777 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118777 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118777 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118777 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118854 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118854 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118854 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118854 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118854 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118801 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118801 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118801 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118801 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118801 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118801 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118801 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118490 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118490 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118490 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118490 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118490 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118490 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118752 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118752 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118752 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118752 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118841 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118841 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118841 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118841 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118841 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118841 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118841 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118841 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118790 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118790 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118790 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118790 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118790 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118848 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118848 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118848 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118848 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118848 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118751 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118751 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118751 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118751 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118791 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118791 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118791 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118736 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118736 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118736 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118736 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118736 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118862 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118862 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118862 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118862 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118862 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118862 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118749 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118749 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118749 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118749 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118749 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118749 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118749 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118749 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118749 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118784 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118784 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118784 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118784 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118784 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118784 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118784 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118784 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118784 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118784 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118784 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118840 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118840 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118840 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118840 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118840 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118840 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118840 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118489 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118489 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118489 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118489 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118489 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118489 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118489 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118489 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118489 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118489 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118488 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118488 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118488 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118488 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118488 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118488 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118488 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118488 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118487 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118487 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118487 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118487 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118487 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118487 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118487 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118486 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118486 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118486 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118486 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118486 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118486 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118811 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118811 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118811 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118811 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118792 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118792 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118792 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118792 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118792 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118803 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118803 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118803 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118803 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118803 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118803 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118485 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118485 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118485 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118485 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118485 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118485 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118485 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118485 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118815 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118815 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118815 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118815 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118815 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118484 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118484 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118484 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118484 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118484 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118484 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118484 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118748 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118748 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118748 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118748 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118748 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118748 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118483 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118483 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118483 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118483 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118483 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118483 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118483 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118483 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118482 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118482 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118482 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118482 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118482 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118482 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118482 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118482 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118844 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118844 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118844 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118844 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118844 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118844 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118844 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118844 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118786 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118786 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118786 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118786 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118786 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118852 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118852 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118852 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118852 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118852 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118481 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118481 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118481 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118481 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118481 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118481 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118787 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118787 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118787 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118787 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118787 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118787 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118787 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118787 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118775 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118775 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118775 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118847 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118847 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118847 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118847 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118847 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118814 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118814 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118518 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118518 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118518 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118518 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118518 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118518 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118518 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118518 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118518 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118518 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118518 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118518 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118518 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118780 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118780 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118780 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118780 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118780 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118780 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118780 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118849 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118849 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118849 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118849 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118849 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118849 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118849 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118849 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118849 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118480 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118480 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118480 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118480 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118480 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118480 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118480 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118782 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118782 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118782 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118782 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118782 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118782 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118517 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118517 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118853 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118853 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118853 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118853 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118853 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118853 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118798 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118798 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118798 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118798 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118798 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118798 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118827 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118827 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118827 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118827 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118827 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118827 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118827 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118479 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118479 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118479 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118479 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118479 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118479 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118826 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118826 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118826 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118826 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118826 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118826 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118826 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118797 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118797 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118478 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118478 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118478 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118478 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118478 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118478 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118478 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118477 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118477 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118477 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118476 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118476 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118476 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118476 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118476 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118476 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118516 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118516 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118864 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118864 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118864 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118864 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118864 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118808 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118808 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118808 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118808 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118808 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118475 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118475 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118475 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118475 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118855 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118855 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118855 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118855 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118865 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118865 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118865 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118865 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118838 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118838 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118838 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118838 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118860 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118860 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118860 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118860 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118860 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118860 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118866 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118866 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118866 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118866 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118866 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118866 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118856 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118856 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118856 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118856 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118856 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118856 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118519 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118519 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118519 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118519 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118519 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118519 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118519 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118519 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118858 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118858 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118858 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118858 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118858 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118858 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118858 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118858 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118858 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118857 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118857 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118857 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118857 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | #N/A | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118542 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118542 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118542 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118542 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118564 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118564 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118538 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118538 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118538 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118538 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118525 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118525 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118525 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118557 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118557 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118557 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118557 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118570 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118570 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118570 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118570 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118570 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118567 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118567 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118567 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118567 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118560 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118566 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118566 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118575 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118575 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118575 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118575 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118575 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118577 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118577 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118577 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118577 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118577 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118541 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118541 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118541 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118541 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118541 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118541 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118541 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118537 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118537 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118537 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118540 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118540 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118540 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118530 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118530 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118530 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118530 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118530 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118526 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118526 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118533 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118533 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118533 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118531 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118531 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118531 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118531 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118554 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118554 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118554 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118524 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118553 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118553 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118553 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118534 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118534 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118532 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118532 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118529 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118529 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118558 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118558 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118558 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118558 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118551 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118546 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118546 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118546 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118548 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118548 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118555 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118555 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118555 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118555 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118565 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118528 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118528 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118528 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118556 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118556 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118556 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118569 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118569 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118569 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118563 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118563 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118563 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118535 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118550 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118561 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118552 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118552 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118552 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118568 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118568 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118568 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118568 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118571 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118571 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118574 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118574 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118576 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118578 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |
| xxxx | xxxx | 4350118578 | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Verified | xxxx |

---

## Exhibit 99.6

**Exhibit 99.6**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex996001.jpg)

**NARRATIVE**

**COLT 2026-1**

**By Canopy Financial Technology Partners LLC on January 14, 2026**

Canopy Financial Technology Partners LLC

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

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

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

![](ex996001.jpg)

**Description of Services**

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

The Review consisted of a population of two (2) loans with an aggregate principal balance of $855,000.

**Loan Sampling**

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); Fitch Ratings, Inc.

**Data Integrity**

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

---

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

---

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

![](ex996001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

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

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

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

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

● Borrower(s) employment history ;

● Citizenship and eligibility;

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● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

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

● Installment and revolving payment history;

● Mortgage/rental payment history;

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

● Number of tradelines; and

● Representative Credit Score and Methodology.

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

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

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

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

● Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan officer

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● Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

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

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

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**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation (when applicable)**

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

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

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

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did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel,
including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel
by all required parties, verifying the disbursement date and determining if a full three (3) day rescission

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period was adequately provided to the borrower(s). The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;

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

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

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

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

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

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

**Ability to Repay (ATR)**

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

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

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

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

**VALUATION REVIEW**

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

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

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

***Independent third-party values***

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

---

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

---

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

![](ex996001.jpg)

---

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

---

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 50.00% (1 loan) has an overall grade of "A" and 50.00% (1 loan) has an overall grade of "B".

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

![](ex996001.jpg)

Canopy's review concluded a Credit grade of "A" for 50.00%, or one (1) mortgage loan reviewed and 50.00% (1 loan) has a credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, or two (2) mortgage loans reviewed and 0.00% (0 loans) have a compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, or two (2) mortgage loans reviewed and 0.00% (0 loans) have a property grade of "B".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

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

![](ex996001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$590250.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$590250.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$590250.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$590250.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$590250.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$590250.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |

---

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

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$590250.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$590250.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$590250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$590250.00** |

---

**DATA COMPARISON RESULTS**

Of the two (2) mortgage loans reviewed, zero (0) unique loans (0.00% by number) had zero (0) tape comparison discrepancy across zero (0) data fields.

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.7

**Exhibit 99.7**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 4350118871 | XXXX |  | XXXX A |  | XXXX | XXXX | XXXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase NA |  |  | XXXX |
| 4350118870 | XXXX |  | XXXX B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Exception for a DSCR under 1 on a FN purchase. - Due Diligence Vendor-12/03/2025 |  | Waived-Exception for a DSCR under 1 on a FN purchase. - Due Diligence Vendor-12/03/2025<br>|  | Exception approved with .5 to price<br> Approved on Series Z please submit a CoC to change the program<br> DSCR to not fall below .79 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX | XXXX | Investment | Purchase NA | Originator Pre-Close | Yes | XXXX |

---

## Exhibit 99.8

**Exhibit 99.8**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 4350118871 | XXXX |  | XXXX | XXXX A |
| 4350118870 | XXXX |  | XXXX | XXXX B A |

---

## Exhibit 99.9

**Exhibit 99.9**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **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** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 4350118871 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350118870 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |

---

## Exhibit 99.10

**Exhibit 99.10**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

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

---

## Exhibit 99.11

**Exhibit 99.11**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

**EXECUTIVE SUMMARY**

**COLT 2026-1**

**By Clarifii LLC on January 14, 2026**

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 14 loans (the "Loans") and these loans were subsequently acquired by Lone Star Residential Acquisitions, LLC (the "Client") for the COLT 2026-1 transaction. The loans referenced in this narrative report were reviewed 09/2025 through 12/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;3 | &nbsp;&nbsp;21.43% | &nbsp;&nbsp;$3780000.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;6 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;$4348500.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;5 | &nbsp;&nbsp;35.71% | &nbsp;&nbsp;$4009000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12137500.00** |

---

The Review consisted of a population of 14 loans, with an aggregate principal balance of $12,137,500.00.

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

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

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

**LOAN SAMPLING**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;B1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Negative Amortization Flag |

---

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

---

| |
|:---|
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Verified Doc Type |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes. Testing was conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019).

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 9

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 10

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 11

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 12

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

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

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 13

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** |

---

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;$2000000.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.86% | &nbsp;&nbsp;$10137500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12137500.00** |

---

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;10 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;$9802500.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;4 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$2335000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12137500.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;11 | &nbsp;&nbsp;78.57% | &nbsp;&nbsp;$10896500.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;21.43% | &nbsp;&nbsp;$1241000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12137500.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12137500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12137500.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12137500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12137500.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;12 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |

---

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

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

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2026 Clarifii LLC. All rights reserved.

COLT 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

## Exhibit 99.12

**Exhibit 99.12**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | XXXX | 4350118873 | XXXX C B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator waiver applied to non-material finding with compensating factors. Min DSCR 1.25, subject DSCR 1.21. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The Calculated DSCR of '1.213' is less than the minimum DSCR per lender guidelines of '1.25'. Required on matrix due to being a short term rental. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Waived-Originator waiver applied to non-material finding with compensating factors. Min DSCR 1.25, subject DSCR 1.21. - Due Diligence Vendor-XXXX<br>| Months Reserves exceed minimum required - 19.19 months PITIA reserves; 6 months reserves required.<br>Long term residence - Per 1003 borrower has been at their primary residence for over 30 years.<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 | 70% LTV<br> 30 years in current residence<br> 19 months of reserves. | Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | XXXX | 4350118884 | XXXX D A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received GAP report. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Soft pull attached - Seller-XXXX <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Soft pull attached - Seller-XXXX<br>| Resolved-Received GAP report. - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 660 Borrower has 769 Required is 660 Borrower has 769<br>Qualifying DTI below maximum allowed - DTI Maximum is 49.99 Borrower has 31.25 Required is 49.99 Borrower has 31.25<br>LTV is less than guideline maximum - LTV maximum is 80 Borrower has 65 Required is 75 Borrower has 65 |  | Credit_Report_XXXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350118874 | XXXX B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXXX |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXXX<br>| Qualifying DTI below maximum allowed - XXXXDTI 44.97%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 44.97<br>Qualifying FICO score is at least 20 points above minimum for program - XXXXqualifying FICO score 795. Per guide, a minimum score required 660. Required is 660 Borrower has 795<br>LTV is less than guideline maximum - XXXXLTV 57.78%. Per guides, maximum LTV 80%. Required is 80 Borrower has 57.78 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX |
| XXXX | XXXX | XXXX | 4350118875 | XXXX A |  | XXXX | XXXX | XXXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX | XXXX | XXXX | 4350118879 | XXXX A |  | XXXX | XXXX | XXXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other |  |  | XXXX |
| XXXX | XXXX | XXXX | 4350118885 | XXXX D A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. SOFT PULL - Seller-XXXX <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. SOFT PULL - Seller-XXXX<br>| Resolved-Received credit refresh. - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - XXXXqualifying FICO score 728. Per guide, a minimum score required 680. Required is 680 Borrower has 728<br>Qualifying DTI below maximum allowed - XXXXDTI 33.06%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 33.06<br>LTV is less than guideline maximum - XXXXLTV 69.73%. Per guides, maximum LTV 90%. Required is 90 Borrower has 69.73 |  | SOFT PULL FOR XXXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350118880 | XXXX B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material findings. - Due Diligence Vendor-XXXX |  | Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material findings. - Due Diligence Vendor-XXXX<br>| Months Reserves exceed minimum required - 148.26mos reserves. Per guides, no reserves required.<br>LTV is less than guideline maximum - Required is 75 Borrower has 64.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX |
| XXXX | XXXX | XXXX | 4350118876 | XXXX B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXXX |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXXX<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.42<br>Months Reserves exceed minimum required - Qualifying Total Reserves 45 months are higher than 4 months required <br>Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX |
| XXXX | XXXX | XXXX | 4350118877 | XXXX B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXXX |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726<br>LTV is less than guideline maximum - Required is 75 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.4 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX |
| XXXX | XXXX | XXXX | 4350118878 | XXXX B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXXX |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXXX<br>| Qualifying DTI below maximum allowed - DTI Required is 49.99%, Audit DTI is 24.73% Required is 49.99 Borrower has 24.73<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680, FICO is 728 Required is 680 Borrower has 728<br>LTV is less than guideline maximum - Max LTV is 75%, LTV is 67.8% Required is 75 Borrower has 67.8 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | XXXX | 4350118872 | XXXX C B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Loan does not meet guideline requirements for loans listed for sale. Originator exception granted, waiver applied with comp factors. - Due Diligence Vendor-XXXX |  | Waived-Loan does not meet guideline requirements for loans listed for sale. Originator exception granted, waiver applied with comp factors. - Due Diligence Vendor-XXXX<br>| LTV is less than guideline maximum - Maximum allowable LTV is 75% - actual LTV is 70%. Required is 75 Borrower has 70<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.312 Required is 0.8 Borrower has 1.312 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX |
| XXXX | XXXX | XXXX | 4350118872 | XXXX C B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. mortgage with legal attached - Seller-XXXX <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. mortgage with legal attached - Seller-XXXX<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXXX<br>| LTV is less than guideline maximum - Maximum allowable LTV is 75% - actual LTV is 70%. Required is 75 Borrower has 70<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.312 Required is 0.8 Borrower has 1.312 |  | XXXX mtg.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350118881 | XXXX C B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received validation of business phone number. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached<br> - Seller-XXXX <br>Open-Missing verification of business phone number via XXXX Search, 411.com or internet.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached<br> - Seller-XXXX<br>| Resolved-Received validation of business phone number. - Due Diligence Vendor-XXXX<br>| On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement<br>Months Reserves exceed minimum required - 28.2 MONTHS RESERVES GREATER THAN 4 MONTHS REQUIRED |  | XXXX - XXXX Search.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350118881 | XXXX C B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXXX |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXXX<br>| On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement<br>Months Reserves exceed minimum required - 28.2 MONTHS RESERVES GREATER THAN 4 MONTHS REQUIRED |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX |
| XXXX | XXXX | XXXX | 4350118882 | XXXX C B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-This loan failed the TILA right of rescission test.Closed-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))The funding date is before the third business day following consummation.The 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. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-XXXX | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.72<br>LTV is less than guideline maximum - Required is 70 Borrower has 64.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 813 |  | Post_CD_XXXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | XXXX | 4350118882 | XXXX C B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-XXXX |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-XXXX<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.72<br>LTV is less than guideline maximum - Required is 70 Borrower has 64.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 813 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX |
| XXXX | XXXX | XXXX | 4350118883 | XXXX B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-XXXX |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-XXXX<br>| Qualifying DTI below maximum allowed - XXXXDTI 34.25%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 34.25<br>LTV is less than guideline maximum - XXXXLTV 60. Per guides, maximum LTV 75%. Required is 75 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - XXXXqualifying FICO score 763. Per guide, a minimum score required 660. Required is 660 Borrower has 763 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX |

---

## Exhibit 99.13

**Exhibit 99.13**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | XXXX | XXXX | 4350118873 | XXXX | XXXX C A B |
| XXXX | XXXX | XXXX | 4350118884 | XXXX | XXXX D A |
| XXXX | XXXX | XXXX | 4350118874 | XXXX | XXXX A B |
| XXXX | XXXX | XXXX | 4350118875 | XXXX | XXXX A |
| XXXX | XXXX | XXXX | 4350118879 | XXXX | XXXX A |
| XXXX | XXXX | XXXX | 4350118885 | XXXX | XXXX D A |
| XXXX | XXXX | XXXX | 4350118880 | XXXX | XXXX A B |
| XXXX | XXXX | XXXX | 4350118876 | XXXX | XXXX A B |
| XXXX | XXXX | XXXX | 4350118877 | XXXX | XXXX A B |
| XXXX | XXXX | XXXX | 4350118878 | XXXX | XXXX A B |
| XXXX | XXXX | XXXX | 4350118872 | XXXX | XXXX C A B |
| XXXX | XXXX | XXXX | 4350118881 | XXXX | XXXX C B A |
| XXXX | XXXX | XXXX | 4350118882 | XXXX | XXXX A C B |
| XXXX | XXXX | XXXX | 4350118883 | XXXX | XXXX A B |

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## Exhibit 99.14

**Exhibit 99.14**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX |  | 4350118873 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | per appraisal |
| XXXX | XXXX |  | 4350118884 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX |  | 4350118874 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | XXXX |  | 4350118875 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per executed final CD |
| XXXX | XXXX |  | 4350118875 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per executed final CD |
| XXXX | XXXX |  | 4350118879 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX |  | 4350118879 | XXXX | XXXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX |  | 4350118885 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per executed final cd |
| XXXX | XXXX |  | 4350118880 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | As per final CD |
| XXXX | XXXX |  | 4350118876 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| XXXX | XXXX |  | 4350118876 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| XXXX | XXXX |  | 4350118877 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per PCCD |
| XXXX | XXXX |  | 4350118878 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX |  | 4350118881 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per PCCD |
| XXXX | XXXX |  | 4350118882 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | XXXX |  | 4350118883 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | per pccd |

---

## Exhibit 99.15

**Exhibit 99.15**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | XXXX | 4350118873 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | XXXX | 4350118884 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | XXXX | 4350118874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.78 | 57.78 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | XXXX | 4350118875 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | 4350118879 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 44.29 | 44.29 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | XXXX | XXXX | 4350118885 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 69.73 | 69.73 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | XXXX | 4350118880 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.17 | 64.17 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | XXXX | 4350118876 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | XXXX | 4350118877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | XXXX | 4350118878 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.8 | 67.8 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | XXXX | 4350118872 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | XXXX | XXXX | 4350118881 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | XXXX | 4350118882 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.52 | 64.52 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  |  |
| XXXX | XXXX | XXXX | 4350118883 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  |  |

---

## Exhibit 99.16

**Exhibit 99.16**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex9916001.jpg)

**January 13, 2026**<br> **Due Diligence Narrative Report**

![](ex9916002.jpg)

**Table of Contents**

---

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

---

COLT 2026-1 Due Diligence Narrative Report Page \| 1 January 13, 2026

![](ex9916002.jpg)

**Clayton Contact Information** 

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![](ex9916003.jpg) | **Michael Santarsiere** | Client Service Director |

---

Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u>

---

| | | |
|:---|:---|:---|
| ![](ex9916003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |

---

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

**Overview** 

On behalf of American Home Loans, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 3 residential loans.

On behalf of Capital Alliance, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 1 residential loan.

Lone Star Residential Acquisitions, LLC subsequently purchased these loans via reliance letter and selected them for the COLT 2026-1 transaction. The loans referenced in this narrative report were reviewed on a flow loan basis between November and December of 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |

---

COLT 2026-1 Due Diligence Narrative Report Page \| 2 January 13, 2026

![](ex9916002.jpg)

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

---

| | |
|:---|:---|
| &nbsp;&nbsp; Review scope | &nbsp;&nbsp; # of Files Reviewed |
| &nbsp;&nbsp;&nbsp;Credit Review | &nbsp;&nbsp;&nbsp;4 |
| &nbsp;&nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;&nbsp;4 |
| &nbsp;&nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;&nbsp;2 |
| &nbsp;&nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;&nbsp;4 |

---

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review and data integrity check.

Loan Grading

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

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

![](ex9916004.jpg)

COLT 2026-1 Due Diligence Narrative Report Page \| 3 January 13, 2026

![](ex9916002.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 4 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared
 the loan documentation found in the loan file to the origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated
 LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
 the stated seller origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed
 asset statements in order to determine that funds to close and reserves were within origination
 guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed
 that credit scores (FICO) and credit histories were within origination guidelines;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 income, employment, assets, and occupancy status for reasonability;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed
 the occupancy, VOE and self/employed business documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Listed
 the property type as Coop, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed
 for condo warranty documentation, as applicable;

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (4 loans)

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

- For more detail on the original appraisal review, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (4 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall\*

● CU Score

● Desk Review

For further detail, please refer to the COLT 2026-1 valuation summary report.

COLT 2026-1 Due Diligence Narrative Report Page \| 4 January 13, 2026

![](ex9916002.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on this transaction included the elements summarized below.

(For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested
 for state-specific consumer protection laws including late charge and prepayment penalty
 provisions;

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

- Section 32 APR and Points and Fees Thresholds and prohibited practices;

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

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

- Prepayment Penalty restrictions; and

QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on <u>Appendix C</u> attached hereto.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFA RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
 Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following,
 for loans other than 'Covered Loans' and loans with an Application Date prior
 to 10/3/2015:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

On, June 15th, 2016 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 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.

COLT 2026-1 Due Diligence Narrative Report Page \| 5 January 13, 2026

![](ex9916002.jpg)

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 to such loans upon the affirmative election by Lone Star Residential Acquisitions, LLC.

Clayton applied the enhanced RMBS 3.0 TRID Compliance Review Scope where applicable in this transaction.

**<u>Compliance Review (Business Purpose, Non-Owner Occupied)</u>**

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton's audit law firm determined that only principal residences should be tested for IL high cost.

Anti-predatory lending laws

● Virginia Lender and Broker Act after 6/1/2008

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

Taxpayer First Act: Consent to share IRS-provided tax information sent by the IRS on or after 12/28/2019.

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

● Sufficiency of coverage

● Escrow of insurance payments

COLT 2026-1 Due Diligence Narrative Report Page \| 6 January 13, 2026

![](ex9916002.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 4 reviewed loans, by completing the following steps:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each
 discrepancy is reported in a Loan Level Tape Compare Upload.

Data Capture

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

**Data Compare Results** 

Clayton provided Lone Star Residential Acquisitions, LLC with a copy of the Loan Level Tape Compare Upload that shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 4 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;1 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |

---

COLT 2026-1 Due Diligence Narrative Report Page \| 7 January 13, 2026

![](ex9916002.jpg)

**Clayton Due Diligence Results**

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

**<u>Initial and Final Overall Loan Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 2 |  |  | 1 | **3** |
| **Final** | **B** |  |  |  | 1 | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **2** | **0** | **0** | **2** | **4** |

---

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.

**<u>Initial and Final Credit Component Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 2 |  |  | 1 | **3** |
| **Final** | **B** |  |  |  | 1 | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **2** | **0** | **0** | **2** | **4** |

---

**<u>Initial and Final Property Valuation Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 4 |  |  |  | **4** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **4** | **0** | **0** | **0** | **4** |

---

COLT 2026-1 Due Diligence Narrative Report Page \| 8 January 13, 2026

![](ex9916002.jpg)

**<u>Initial and Final Regulatory Compliance Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 2 |  |  |  | **2** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **2** | **0** | **0** | **0** | **2** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (2 loans in pool)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF
 Upload Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Non
 ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation
 Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Loan
 Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Waived
 Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation
 Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. 15E
 Form

COLT 2026-1 Due Diligence Narrative Report Page \| 9 January 13, 2026

![](ex9916002.jpg)

**Appendix A: Credit Review Scope**

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

- Citizenship status

- Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

- Loan purpose

- Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

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

- Final loan application was in the loan file and was complete

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

○ Employment analyzed and verified through use of various documents, including:

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

○ Income review included:

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

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

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

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

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

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

○ Asset review included:

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

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

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

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

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

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

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

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

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

○ Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

- Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ Mortgage Insurance review included:

- Determined if mortgage insurance is required

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

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

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

○ Borrower identity

- Social Security inconsistencies

- Borrower name variations

○ Occupancy

- Borrower address history

- Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

○ OFAC

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**Appendix B: Origination Appraisal Assessment**

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

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

○ Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

- FNMA 2860 – Individual Cooperative Appraisal Report. Used for individual cooperative units

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

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

○ Appraisal report was reasonably complete and included:

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

○ Title XI of FIRREA:

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

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

○ USPAP

- Confirmed that the appraiser's certification is present and executed within the original appraisal.

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

○ Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

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F. Disclaimer

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

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

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

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

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list.

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**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

○ Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

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

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

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

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

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

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

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

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

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

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

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

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

○ ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, 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. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

○ TILA/RESPA Integrated Disclosures ("TRID")

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test
 whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate
 ("LE") and Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application
 Requirement Testing:

● Pre-application forms cannot look similar to the LE

● Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

● The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

● The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

● That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

● If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

● The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy
 of the Loan Calculations

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

● Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

● Alphabetization of fees.

● Title fees preceded by "Title –."

● Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency
 within and across forms

● Once a fee is disclosed it must remain substantially the same name across disclosures.

● Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

● Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

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● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion
 of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected
 CD requiring a new waiting period

● Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

● Corrected CD's provided with a post-close refund.

● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside
 of Clayton's default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

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

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

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

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

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

---

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

---

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

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

---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is

COLT 2026-1 Due Diligence Narrative Report Page \| 19 January 13, 2026

![](ex9916002.jpg)

only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

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

---

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

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

---

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

---

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

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

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

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

COLT 2026-1 Due Diligence Narrative Report Page \| 20 January 13, 2026

![](ex9916002.jpg)

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.)

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

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

COLT 2026-1 Due Diligence Narrative Report Page \| 21 January 13, 2026

## Exhibit 99.17

**Exhibit 99.17**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | |
|:---|:---|
| **Client Name:** | **XXXX** |
| **Client Project Name:** | **XXXX XXXX-XXXX** |
| **Start - End Dates:** | **XXXX - XXXX** |
| **Deal Loan Count:** | **4** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *4* |
| ***Loans with Conditions:*** | *2* |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Deal ID** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| XXXX | 4350118888 | XXXX | Not Applicable D | A | A D | A | A | Not Applicable |
| XXXX | 4350118887 | XXXX | XXXX A | N/A | N/A | N/A | N/A | No |
| XXXX | 4350118886 | XXXX | XXXX A | N/A | N/A | N/A | N/A | No |
| XXXX | 4350118889 | XXXX | Not Applicable D B | A | A D B | A | A | Not Applicable |

---

## Exhibit 99.18

**Exhibit 99.18**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | |
|:---|:---|
| **Client Name:** | **XXXX** |
| **Client Project Name:** | **XXXX XXXX-XXXX** |
| **Start - End Dates:** | **XXXX - XXXX** |
| **Deal Loan Count:** | **4** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *4* |
| ***Loans with Conditions:*** | *2* |

---

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Deal ID** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| XXXX | 4350118888 | XXXX | XXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | XXXX | Missing AUS or AUS errors present | No | Missing AUS (DU Approve/Eligible per 1008) or provide corrected 1008 reflecting Manual Underwriting. | XXXX - Lender provided a copy of the missing 1008. | XXXX - Exception satisfied. | (No Data) | Not Applicable | XXXX: Mortgage payment history exceeds guidelines<br> - XXXX Comments: XXXX months paid as agreed<br>XXXX: Significant housing expense reduction<br> - XXXX Comments: Reducing housing payment by 13%<br>XXXX: Credit score exceeds guidelines<br> - XXXX Comments: Credit score XXXX is above credit score 680. |
| XXXX | 4350118887 | XXXX | XXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | XXXX: Credit score exceeds guidelines<br> - XXXX Comments: XXXX Credit score exceeds guidelines of 660.<br>XXXX: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post closing reserves $XXXX or XXXX months PITIA exceed guidelines 3 months x $XXXX = $XXXX. |
| XXXX | 4350118886 | XXXX | XXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | XXXX: Credit score exceeds guidelines<br> - XXXX Comments: XXXX Credit score exceeds guidelines of 680 per program.<br>XXXX: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post closing reserves $XXXX or XXXX months PITIA exceed guideline 3 months x $XXXX = $XXXX required. |
| XXXX | 4350118889 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | DTI | Waived C B | XXXX | Debt Ratio > 50% | No | The DTI is 50.55% and exceeds guides. The taxes and hazard insurance are higher than estimated. Addtil updated credit report reflects higher payments. | (No Data) | An exception was provided allowing the DTI with comp factors. | (No Data) | Not Applicable | XXXX: Verified cash reserves exceed guidelines<br> - XXXX Comments: The borrower has 8 months reserves after closing.<br>XXXX: Mortgage payment history exceeds guidelines<br> - XXXX Comments: No mortgage lates reported on the credit report. |
| XXXX | 4350118889 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Income/Employment | Satisfied C A | XXXX | Income docs do not meet guidelines | No | The letter of explanation regarding all deposits and transfer from XXXX was not in the loan file. | (No Data) | LOE not required per guidelines. | (No Data) | Not Applicable | XXXX: Verified cash reserves exceed guidelines<br> - XXXX Comments: The borrower has XXXX months reserves after closing.<br>XXXX: Mortgage payment history exceeds guidelines<br> - XXXX Comments: No mortgage lates reported on the credit report. |
| XXXX | 4350118889 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Income/Employment | Satisfied D A | XXXX | Income Documentation Missing | No | The Tax preparer letter supporting a 9.8% expense factor was provided. However no outline of the business expenses as a percentage of the gross annual revenue was provided. Addtl no CPA lic or CTEC was provided. | (No Data) | The CPA license provided for cure. | (No Data) | Not Applicable | XXXX: Verified cash reserves exceed guidelines<br> - XXXX Comments: The borrower has XXXX months reserves after closing.<br>XXXX: Mortgage payment history exceeds guidelines<br> - XXXX Comments: No mortgage lates reported on the credit report. |

---

## Exhibit 99.19

**Exhibit 99.19**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | |
|:---|:---|
| **Client Name:** | XXXX |
| **Client Project Name:** | XXXX XXXX-XXXX |
| **Start - End Dates:** | XXXX - XXXX |
| **Deal Loan Count:** | 4 |
| **Valuations Summary** |  |
| *Loans In Report:* | *4* |
| *Loans In Report:* |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| |  |  |  |  |  | **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** |
| |  |  |  |  |  | **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** | **Deal ID** | **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** |
| XXX | 4350118888 |  | XXX | XXX | XXX | XXX | XXX | 1004 SFR (XXXX) |  |  |  | XXX | XXX | 0.00% |  |  | XXX | XXX | 0.00% |  |  |  | XXX | XXX | XXX | -4.62% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  |  | XXX | XXX | 0.00% | XXX |
| XXX | 4350118887 |  | XXX | XXX | XXX | XXX | XXX | 1004 SFR (XXXX) |  |  |  | XXX | XXX | 0.00% |  |  | XXX | XXX | 0.00% |  |  |  | XXX | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  |  | XXX | XXX | 0.00% | (No Data) |
| XXX | 4350118886 |  | XXX | XXX | XXX | XXX | XXX | 1004 SFR (XXXX) |  |  |  | XXX | XXX | 0.00% |  |  | XXX | XXX | 0.00% |  |  |  | XXX | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  |  | XXX | XXX | 0.00% | (No Data) |
| XXX | 4350118889 |  | XXX | XXX | XXX | XXX | XXX | 1004 SFR (XXXX) |  |  |  | XXX | XXX | 0.00% | Not Applicable |  | XXX | XXX | 0.00% |  |  |  | XXX | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  | XXX | XXX | 0.00% |  |  | XXX | XXX | 0.00% | XXX |

---

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

## Exhibit 99.20

**Exhibit 99.20**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | |
|:---|:---|
| **Client Name:** | XXXX |
| **Client Project Name:** | XXXX XXXX-XXXX |
| **Start - End Dates:** | XXXX - XXXX |
| **Deal Loan Count:** | 4 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *4* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Deal ID** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| XXXX | 4350118888 | XXXX | Debt to Income Ratio (Back) | XXXX | XXXX |
| XXXX | 4350118887 | (No Data) | Original Appraised Value | XXXX | XXXX |
| XXXX | 4350118887 | (No Data) | Representative Credit Score for Grading | XXXX | XXXX |
| XXXX | 4350118886 | (No Data) | Representative Credit Score for Grading | XXXX | XXXX |

---

©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 99.21

**Exhibit 99.21**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | |
|:---|:---|
| ![](ex9921001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |

---

**EXECUTIVE SUMMARY**

Third Party Due Diligence Review

**January 13, 2026**

***COLT 2026-1***

Overview

Consolidated Analytics, Inc. a third-party due diligence provider, performed the review described below on behalf of its client, Lone Star Residential Acquisitions, LLC. The review included a total of 14 business purpose, residential mortgage loans, in connection with the securitization identified as COLT 2026-1 (the "Securitization"). The review began on November of 2025, and concluded December of 2025

Scope of Review

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan Application:** Complete loan application is present in the loan file for all borrowers/guarantors,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements
 and contains OFAC clearance

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Property Valuation:** Confirm the presence of a complete appraisal report and supporting secondary
 independent estimate of value

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

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

---

| | |
|:---|:---|
| ![](ex9921001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |

---

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower/Guarantor Eligibility:** Review each borrower to ensure that they meet eligibility requirements
 of underwriting guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Assets:** Validate that the mortgage loan file contains adequately qualified verification of
 assets to meet underwriting standards

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

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

---

| | |
|:---|:---|
| ![](ex9921001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |

---

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| ![](ex9921001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |

---

Consolidated Analytics applied a cascade methodology to determine if the original appraised value total was reasonably supported when compared to an independent third-party valuation product. For loans reviewed in a post-close valuation review (14 loans consisting of 14 individual properties), the origination value was based the following products:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Primary Valuation Product** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;1004 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;1025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Totals:** | &nbsp;&nbsp;**14** |

---

12 properties were supported by a Desk Review, while 2 property had a CU score of 2.5 or less.

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Secondary Valuation Product** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;CU Score of 2.5 or less | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; **Totals:** | &nbsp;&nbsp;**14** |

---

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

Of the 14 loans reviewed, 14 are single property loans.

---

| | |
|:---|:---|
| ![](ex9921001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |

---

Summary of Results

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage Loans | &nbsp;&nbsp;% of Mortgage Loans <br> (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.86% | &nbsp;&nbsp;$4712300.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;$157500.00 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$- |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$- |
| &nbsp;&nbsp;**Credit Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage Loans | &nbsp;&nbsp;% of Mortgage Loans <br> (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.86% | &nbsp;&nbsp; $4712300.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp; $157500.00 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;**Valuation Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage Loans | &nbsp;&nbsp;% of Mortgage Loans <br> (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp; $4869800.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |

---

---

| | |
|:---|:---|
| ![](ex9921001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**CATEGORY** | &nbsp;&nbsp;**GRADE** | &nbsp;&nbsp;**FINDING DESCRIPTION** | &nbsp;&nbsp;**COUNT** |
| &nbsp;&nbsp;CREDIT | &nbsp;&nbsp;B | &nbsp;&nbsp;Entity Documentation – Missing or Defective | &nbsp;&nbsp;***1*** |
|  |  | &nbsp;&nbsp;***Total Credit B Grade Findings:*** | &nbsp;&nbsp;***1*** |
|  |  | &nbsp;&nbsp;***Total Credit Findings:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**CATEGORY** | &nbsp;&nbsp;**GRADE** | &nbsp;&nbsp;**FINDING DESCRIPTION** | &nbsp;&nbsp;**COUNT** |
| &nbsp;&nbsp;PROPERTY | &nbsp;&nbsp;B |  | &nbsp;&nbsp;***0*** |
|  |  | &nbsp;&nbsp;***Total Property B Grade Findings:*** | &nbsp;&nbsp;***0*** |
|  |  | &nbsp;&nbsp;***Total Property Findings:*** | &nbsp;&nbsp;***0*** |

---

## Exhibit 99.22

**Exhibit 99.22**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Deal ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| XXXX | XXXX | 4350118890 | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350118893 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350118892 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350118891 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350118897 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350118896 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350118894 | XXXX | XXXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 4350118898 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350118895 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350118899 | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350118902 | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350118903 | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350118900 | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350118901 | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.23

**Exhibit 99.23**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan 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** |
| XXXX | 4350118890 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | Not Eligible | XXXX |  |
| XXXX | 4350118893 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | Not Eligible | XXXX |  |
| XXXX | 4350118892 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | Eligible | XXXX |  |
| XXXX | 4350118891 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | Not Eligible | XXXX |  |
| XXXX | 4350118897 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | Not Eligible | XXXX |  |
| XXXX | 4350118896 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | Not Eligible | XXXX |  |
| XXXX | 4350118894 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | Eligible | XXXX |  |
| XXXX | 4350118898 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | Not Eligible | XXXX |  |
| XXXX | 4350118895 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | Not Eligible | XXXX |  |
| XXXX | 4350118899 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |
| XXXX | 4350118902 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |
| XXXX | 4350118903 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |
| XXXX | 4350118900 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |
| XXXX | 4350118901 | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |

---

## Exhibit 99.24

**Exhibit 99.24**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Deal ID** | **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** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| XXXX | 4350118890 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM Exempt | Loan Review Complete | XXXX | Resolved | XXXX | Credit | Guaranty Missing or Defective | Missing Personal Guaranty from borrower XXXX | XXXX: Guaranty uploaded | XXXX | XXXX: Received Guaranty | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118893 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM Exempt | Loan Review Complete | XXXX | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guides |  | XXXX |  | XXXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118892 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM Exempt | Loan Review Complete | XXXX | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guides |  | XXXX |  | XXXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118891 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM Exempt | Loan Review Complete | XXXX | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guides |  | XXXX |  | XXXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118896 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM Exempt | Loan Review Complete | XXXX | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guides |  | XXXX |  | XXXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118897 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM Exempt | Loan Review Complete | XXXX | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guides |  | XXXX |  | XXXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118894 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM Exempt | Loan Review Complete | XXXX | Acknowledged | XXXX | Credit | Entity Documentation - Missing or Defective | Ineligible Nested Entity. Borrowing Entity XXXX is owned by XXXX | XXXX: Exception Waiver in file | XXXX | XXXX: Exception Waiver in file | XXXX | XXXX FICO, Experienced Investor, XXXX tradelines, XXXX mortgages 14 open paid 0x30, no lates on credit B A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| XXXX | 4350118898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM Exempt | Loan Review Complete | XXXX | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guides |  | XXXX |  | XXXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118895 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM Exempt | Loan Review Complete | XXXX | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guides |  | XXXX |  | XXXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118899 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | LOAN APPLICATION MISSING OR DEFECTIVE | MISSING LOAN APPLICATION OR TERM SHEET |  | XXXX | XXXX: RECEIVED | XXXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118899 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | VERIFICATION OR MORTGAGE MISSING OR DEFECTIVE | MISSING VERIFICATION OF MORTGAGE |  | XXXX | XXXX: RECEIVED | XXXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118899 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | PROPERTY | HAZARD INSURANCE MISSING OR DEFECTIVE | PROVIDED HAZARD INSURANCE IS MISISNG LOSS OF RENT VALUE |  | XXXX | XXXX: RECEIVED | XXXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118902 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | TITLE INSURANCE COVERAGE - INADEQUATE COVERAGE | $XXXX TITLE INSURANCE COVERAGE < $XXXX MINIMUM INSURANCE REQUIRED |  | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118902 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | CLOSING PROTECTION LETTER MISSING OR DEFECTIVE | PROVIDED CLOSING PROTECTION LETTER MISSING ISAOA AFTER LENDER. PROVIDE THE UPDATED CLOSING PROTECTION LETTER WITH ISAOA AFTER LENDER NAME |  | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118902 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | TITLE INSURANCE COVERAGE - INADEQUATE COVERAGE | INSUFFICIENT TITLE INSURANCE. MISSING ISAOA/ATIMA AFTER MORTGAGEE CLAUSE |  | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118903 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | NO FINDINGS | THE LOAN MEETS ALL APPLICABLE GUIDELINES IN PRE-CLOSE REVIEW |  | XXXX |  | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118899 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | FIRST PAYMENT LETTER MISSING OR DEFECTIVE | PROVIDED FIRST PAYMENT LETTER REFLECTS HAZARD INSURANCE ESCROWS IN THE AMOUNT OF: $XXXX. PROVIDED HAZARD INSURANCE INVOICE REFLECTS PREMIUM OF: $XXXX. PLEASE PROVIDE UPDATED HAZARD INSURNACE PREMIUM |  | XXXX | XXXX: RECEIVED | XXXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118902 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER |  | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118900 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | SUBJECT PROPERTY LEASE - MISSING OR DEFECTIVE | MISSING LEASE AGREEMENT | XXXX: PROVIDE RENT REVIEW | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | TITLE INSURANCE MISSING OR DEFECTIVE | MISSING TITLE INSURANCE |  | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | CLOSING PROTECTION LETTER MISSING OR DEFECTIVE | MISSING CLOSING PROTECTION LETTER |  | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118903 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | FIRST PAYMENT LETTER MISSING OR DEFECTIVE | MISSING FIRST PAYMENT LETTER |  | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118903 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | FIRST PAYMENT LETTER MISSING OR DEFECTIVE | PROVIDED FIRST PAYMENT LETTER AND HUD REFLECT TAX ESCROWS COLLECTED IN THE AMOUNT OF: $XXXX. PROVIDED TAX CERT IN FILE REFLECTS AMOUNT OF: $XXXX. PROVIDE TAX CERT USED TO COLLECT ESCROWS |  | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118900 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | ACH MISSING OR DEFECTIVE | MISSING ACH AUTHORIZATION FORM |  | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118900 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | W-9 MISSING OR DEFECTIVE | MISSING FORM W-9 |  | XXXX | XXXX: RECEIVED | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350118901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | XXXX | RESOLVED | XXXX | CREDIT | NO FINDINGS | THE LOAN MEETS ALL APPLICABLE GUIDELINES IN POST-CLOSE REVIEW |  | XXXX |  | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |

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## Exhibit 99.25

**Exhibit 99.25**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

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|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 4350118892 | XXXX | Origination Date | XXXX | XXXX | XXXX |
| XXXX | 4350118891 | XXXX | Property Type | XXXX | XXXX | XXXX |
| XXXX | 4350118891 | XXXX | Origination Date | XXXX | XXXX | XXXX |
| XXXX | 4350118897 | XXXX | City | XXXX | XXXX | XXXX |
| XXXX | 4350118897 | XXXX | State | XXXX | XXXX | XXXX |
| XXXX | 4350118897 | XXXX | Zipcode | XXXX | XXXX | XXXX |
| XXXX | 4350118897 | XXXX | Origination Date | XXXX | XXXX | XXXX |
| XXXX | 4350118896 | XXXX | City | XXXX | XXXX | XXXX |
| XXXX | 4350118896 | XXXX | State | XXXX | XXXX | XXXX |
| XXXX | 4350118894 | XXXX | Origination Date | XXXX | XXXX | XXXX |
| XXXX | 4350118898 | XXXX | City | XXXX | XXXX | XXXX |
| XXXX | 4350118898 | XXXX | State | XXXX | XXXX | XXXX |
| XXXX | 4350118898 | XXXX | Origination Date | XXXX | XXXX | XXXX |
| XXXX | 4350118895 | XXXX | City | XXXX | XXXX | XXXX |
| XXXX | 4350118895 | XXXX | State | XXXX | XXXX | XXXX |
| XXXX | 4350118895 | XXXX | Zipcode | XXXX | XXXX | XXXX |

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## Exhibit 99.26

**Exhibit 99.26**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex9926001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>Executive Summary<br> COLT 2026-1<br> Dated: January 13, 2026<br>

**290 S Preston Road \| Suite 370 \| Prosper, TX 75078**<br> **P: 888.892.1843** **\| evolvemortgageservices.com**<br>

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Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

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

**Sample size and criteria.**

The final population of the Review covered 3 Loans, 2 Residential Loans and 1 Business Purpose Loan, totaling an aggregate original principal balance of approximately $1,965,425.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Fitch Ratings, Inc. ("Fitch"), the NRSRO identified in Item 3 of the ABS Due Diligence-15E.

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

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

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

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Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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Forward Thinking. Seamless Solutions.

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

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

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

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

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

If a report was present, Evolve reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, Evolve

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Forward Thinking. Seamless Solutions.

confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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

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

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

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

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

Evolve's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Evolve's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, such that the named client on the appraisal report is the lender or a related entity that is permitted to

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Forward Thinking. Seamless Solutions.

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

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

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

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Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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

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**Credit Results Summary**

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

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**Property Valuation Results Summary**

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

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**Overall Results Summary**

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

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**Data Results Summary**

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |

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**APPENDIX A**

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

ii) proper execution by all required parties;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual
 Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold
 test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test;
 and

ii) compliance with the escrow account and appraisal requirements;

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence
 of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable
 HUD form was provided;

ii) determination that the loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed
 on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of the Servicing Disclosure Statement form in the loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence
 of the Affiliated Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

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viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

**(III) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" loans, "covered" loans, "higher-priced" loans, "home" loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application
 (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application
 (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial and final
 GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission
 Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of
 Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit
 Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures
 related to the enumerated tests set forth herein.

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation
 to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available,
 Evolve reviewed the relevant documents in the loan file and, as necessary, attempted to obtain the loan originator compensation
 agreement and/or governing policies and procedures of the loan originator. In the absence of the loan originator compensation
 agreement and/or governing policies and procedures, Evolve's review was limited to formal general statements of entity
 compliance provided by the loan originator, if any. These statements, for example, were in the form of a letter signed by
 the seller correspondent/loan originator or representations in the mortgage loan purchase agreement between the Client and
 seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Homeownership counseling (§1026.36):</u> 

 i) determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first-time homebuyer that contains a negative amortization feature; <br> c) <u>Mandatory Arbitration Clauses (§1026.36):</u> <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the terms of the loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any
 claims arising out of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 for presence of loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit
 application, note or loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(VIII) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of
 application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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**(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and
 Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Evolve reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Evolve determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, Evolve notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, Evolve notes if an originator loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Evolve reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated loan that does not satisfy the applicable requirements enumerated above, Evolve then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

*<u>General Ability to Repay</u>*

Evolve reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Evolve reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Evolve does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Evolve's review is based on information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.

**(X) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
 and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

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iii) timing of creditor providing a copy of each appraisal or other written valuation;

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

Evolve confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Evolve reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate.

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSRO and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on

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Forward Thinking. Seamless Solutions.

information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.

Evolve reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

---

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|:---|:---|:---|
| ![](ex9926003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| P a g e |

---

![](ex9926002.jpg)

Forward Thinking. Seamless Solutions.

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence
 that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

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|:---|:---|:---|
| ![](ex9926003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17 \| P a g e |

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![](ex9926002.jpg)

Forward Thinking. Seamless Solutions.

**(XIII) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
 Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain
 other disclosures related to the enumerated tests set forth herein.

---

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|:---|:---|:---|
| ![](ex9926003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18 \| P a g e |

---

## Exhibit 99.27

**Exhibit 99.27**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex99-002.gif)

**Rating Agency Grades**

**Run Date - 01/09/2026 10:32:19 AM**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Deal ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXX | 4350118904 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXX | 4350118905 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350118906 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |

---

## Exhibit 99.28

**Exhibit 99.28**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex99-002.gif)

**Exception Detail**

**Run Date - 01/09/2026 10:32:19 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Deal ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | 4350118904 | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Insurance must have an effective date must be on or before loan disbursement date. Provide proof that insurance was effective at time of loan disbursement. | Information provided |  |  | XXXX |  | A | 1 | XXXX | XXXX | 1 | 13 C A | A | A |  | Non-QM | 1 |
| XXXX | 4350118906 | XXXX | XXXX | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXX FICO = max LTV 75%. Loan approved at 80% LTV |  | Client waived with compensating factors: Experienced investor with two other investment properties. 50% max DTI qualifying DTI XXXX%. No mortgage lates or derogatory lines on credit. |  |  |  | XXXX B | 2 | XXXX | XXXX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |

---

## Exhibit 99.29

**Exhibit 99.29**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex99-002.gif)

**Valuation Report**

**Run Date - 01/09/2026 10:32:19 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Deal ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 4350118904 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350118905 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350118906 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |

---

## Exhibit 99.30

**Exhibit 99.30**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex99-002.gif)

**Data Compare**

**Run Date - 01/09/2026 10:32:19 AM**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Deal ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| XXXX | 4350118904 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | 24 mo Bank Statements |
| XXXX | 4350118905 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | verified with loan approval |
| XXXX | 4350118905 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| XXXX | 4350118906 | XXXX | XXXX | DSCR | 0.690 |  | Full Doc Loan |

---

## Exhibit 99.31

**Exhibit 99.31**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

**EXECUTIVE SUMMARY**

COLT 2026-1

**Overview** 

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party diligence provider, performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Lone Star Residential Acquisitions, LLC (the "Client").

The Review was conducted from October 2025 to January 2026 on mortgage loans (the "Loans") originated from September 2025 to December 2025. The review consisted of 100% of the population of 143 loans with an original loan balance of $79,917,591.00.

**Scope of Review**

**Credit Review**

MaxDiligence performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is complete, signed, dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions have been satisfied prior
 to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of debt to income ratios ("DTI") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of debt service coverage ratio ("DSCR") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR
 Loans

![](ex9931001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of hazard coverage and verification that sufficient coverage was in place on subject
 and all premiums were included in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage
 insurance certificate was in file, if applicable, and coverage was sufficient, and premium
 was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 of rental income and/or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing
 business as" or "also known as" names investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements in conformance with applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing
 Employment, if applicable

![](ex9931001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rental
 Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 rental income or DSCR by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Leases,
 proof of rent received, 3rd party market rent validation, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Proof
 of Short Term rents received, as per guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

![](ex9931001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure or Settlement Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 and prior to October 1, 2022 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z of the Truth in Lending Act, as amended. Effective October 1, 2022, loans with application dates on or after such date must comply with the General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that the creditor provided a QM designation and (b) review the Loan for the eight (8) underwriting factors set forth Section 12(E)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence
 reviewed each mortgage loan to determine each mortgage loan's status under the
 QM and ATR rule requirements and assign a QM and ATR designation as determined by MaxDiligence.
 MaxDiligence will note as a material exception if its QM and ATR designations do not
 confirm to the originator's original QM and ATR designations. Additionally, MaxDiligence
 will note if an originator's mortgage loan designation was not provided. MaxDiligence
 shall use the following designations:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. MaxDiligence
 utilizes the following QM designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) QM
 Safe-Harbor (also known as General QM)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) QM
 Rebuttal Presumption (including Higher-priced loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Temporary
 QM (for all applications prior to October 1, 2022)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Non-QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. MaxDiligence
 utilizes the following ATR designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) ATR
 Compliant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) ATR
 Fail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) ATR
 Exempt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In
 order to determine the QM designation, as applicable, MaxDiligence will review each Loan
 for the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Use
 of any risky mortgage loan features and terms (e.g. an interest only feature or negative
 amortization);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Do
 the "points and fees" exceed the applicable QM threshold;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Was
 monthly payment calculated appropriately;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Did
 the creditor considered and verify income or assets at or before consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Did
 the creditor appropriately considered debt obligations, alimony and child support;

![](ex9931001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. For
 mortgage loan applications prior to October 1, 2022, if the DTI ratio exceeded 43% (calculated
 in accordance with Appendix Q to Regulation Z).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. For
 mortgage loan applications on and after October 1, 2022, for which the annual percentage
 rate does not exceed the average prime offer rate for a comparable transaction as of
 the date the interest rate is set by the amounts specified based on loan amount (adjusted
 annually on January 1 by the annual percentage change in the Consumer Price Index for
 All Urban Consumers (CPI-U) that was reported on the preceding June 1) and the lien position
 of the proposed credit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) For
 a first-lien covered transaction with a loan amount greater than or equal to $110,260
 (indexed for inflation), 2.25 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) For
 a first-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation) but less than $110,260 (indexed for inflation), 3.5 or more percentage
 points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) For
 a first-lien covered transaction with a loan amount less than $66,156 (indexed for inflation),
 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) For
 a first-lien covered transaction secured by a manufactured home with a loan amount less
 than $110,260 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) For
 a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) For
 a subordinate-lien covered transaction with a loan amount less than $66,156 (indexed
 for inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Upon
 completion of Section 12(B) above, if a Loan is determined to be a QM loan, MaxDiligence
 will determine if the Loan is a Higher-Priced Mortgage Loan ("HPML") as defined
 by 12 CFR 1026.35:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the Loan is HPML, then the Loan shall be designated as QM Rebuttal Presumption (Higher
 Priced);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the Loan is not an HPML, then the Loan shall be designated as QM Safe Harbor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Upon
 completion of Section 12(B) above, for each Loan that is designated as Non-QM, MaxDiligence
 then will determine whether the mortgage loan complies with the ATR rule, in accordance
 with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. MaxDiligence
 will evaluate the Loan for ATR compliance based on the following eight factors and will
 verify such information using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
/ Assets: Recalculate borrower(s)'s monthly gross income, and validate funds required to close and required reserves, to
confirm that the borrower has current or reasonably expected income or assets (other than the value of

![](ex9931001.jpg)

the property that secures the Loan) that the borrower will rely on to repay the Loan. Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment:
 Review file documentation for required level of employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans: Ensure that all concurrent Loans were included in the DTI calculation, to properly
 assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations: Validate that the subject Loan's monthly payment calculation includes
 principle, interest, taxes, and insurance, as well as other costs related to the property
 such as homeowners' association fees, private mortgage insurance, ground rental
 fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations: Validate monthly recurring non-mortgage-related liabilities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate DTI or "residual income," based upon all mortgage
 and non-mortgage obligations, calculated as a ratio of gross monthly income, based on
 documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History: Review credit report for credit history and required credit depth, including
 any / all inquiries, and determine a representative credit score from the credit report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Upon
 completion of Section 12(E) above, MaxDiligence will assign an ATR designation.

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's
 review included a review of the valuation materials utilized during the origination of
 the loan and in confirming the value of the underlying property. MaxDiligence's
 review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

![](ex9931001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application; Any revisions, if made known to MaxDiligence, to the original report
 are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file but notes a variance
 above 10% or an inconclusive value, MaxDiligence recommended a BPO or field review be
 ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, MaxDiligence's review will (a) reviewed
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirmed the property value and square footage of the subject property
 was bracketed by comparable properties, (c verified that comparable properties used are
 similar in size, style, and location to the subject, and (d) checked for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of MaxDiligence's review included (i) verifying that the address matched
 the mortgage note, ((ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that there are
 no negative external factors; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, MaxDiligence will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, MaxDiligence
 will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in MaxDiligence's
 review result in a variance of more than 10% then the client will be notified of such
 variance.

![](ex9931001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence
 confirmed to the extent possible, that the appraiser and the appraisal made by such appraiser
 both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence will
 review the appraisal for conformity to industry standards, including ensuring the appraisal
 was complete, that the comparable properties and adjustments were reasonable and that
 pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, MaxDiligence accessed the ASC database to verify that the appraiser, and if
 applicable the appraiser's supervisor, were licensed and in good standing at the
 time the appraisal was completed.

**Compliance Review**

"Compliance Review" means that MaxDiligence reviewed each Loan to determine, as applicable and subject to the limitations below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements, each as amended. A Compliance Review shall not apply to business purpose loans.

The below Compliance Review is applicable to Loans with an application date on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TRID testing, MaxDiligence implemented the TRID scope of review as detailed in (i) Section III -Regulatory Compliance of the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. On an ongoing basis, MaxDiligence reviews updated interpretations of TRID through informal guidance provided by the Consumer Financial Protection Bureau ("CFPB"), such CFPB guidance may cause changes in the review scope and severity of TRID related exceptions, including applicable cures. While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
 LE are completed; and (iii) the Initial LE accurately reflects the information provided
 to MaxDiligence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a Revised LE, confirm (i) that there is a "valid reason" for the
 Revised LE; and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A Revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

![](ex9931001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm
 initial LE was delivered within three (3) Business Days from the application date, and
 at least seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 revised LE was delivered within three (3) Business Days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) Business Days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the CD review and confirm (i) the correct form was used; (ii) all sections of the CD
 are completed; and (iii) the CD accurately reflects the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirm (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 Initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) Business Days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) Business Day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any
 material disclosure violation on a rescindable loan that gives rise to the right of rescission
 under TILA, which means the required disclosures of the annual percentage rate, the finance
 charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

![](ex9931001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
 CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
 of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge
 tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
 loan file contains documentary evidence that the disclosure was provided to the borrower;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) Business
 Days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

● Note: Where available, MaxDiligence reviewed the relevant documents in the mortgage loan file and, as necessary, attempted

![](ex9931001.jpg)

to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, MaxDiligence's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the Servicing Disclosure Statement was provided to the borrower(s) within three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when applicable;

![](ex9931001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm
 that the CHARM booklet was issued within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) Business Days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) 
 With respect to a borrower that has waived the three (3) Business Day disclosure requirement,
 confirm that (a) the borrower has signed the waiver or other acknowledgment at least
 three (3) Business Days prior to consummation; and (b) that the lender has provided copies
 of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of state, county and municipal laws and ordinances
 with respect to "high-cost" mortgage loans, "covered" mortgage
 loans, "higher-priced" mortgage loans, "home" mortgage loans
 or any other similarly designated mortgage loan as defined under such authorities, or
 subject to any other laws that were enacted to combat predatory lending, as may have
 been amended from time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

![](ex9931001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>.
 MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 66.43% of the pool receiving an overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;95 | &nbsp;&nbsp;66.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;48 | &nbsp;&nbsp;33.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;106 | &nbsp;&nbsp;74.13% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;37 | &nbsp;&nbsp;25.87% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;129 | &nbsp;&nbsp;90.21% |

---

![](ex9931001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;9.79% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;142 | &nbsp;&nbsp;99.3% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**143** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (i.e., a loan with a Credit Grade of "A", Compliance Grade of "B", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception**<br> **Level** <br> **Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval - Lender Income Calculation Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Deficient | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets - Insufficient Cash to Close or Reserves | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets - Miscellaneous | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower - Residency Alien Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Business Purpose - Loan Guaranty/Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Calculated DSCR does not meet the Minimum DSCR allowed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Cash reserves less than required by guidelines | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Cash To Borrower does not meet eligibility requirement(s) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Corporation/LLC: Certificate of Good Standing Doc is Missing | &nbsp;&nbsp;1 |

---

![](ex9931001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Corporation/LLC: EIN Doc is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Corporation/LLC: Operating Agreement Doc is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Credit Documentation - Letter of Explanation | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Credit Report and 1003 mismatch | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Eligibility - Borrower Identity | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Eligibility - Citizenship Requirements | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Final Settlement Statement Missing. | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Gift Letter - Missing | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Gift Letter - No Evidence for Transfer of Funds | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Hazard Insurance - Other Insurance Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;3 |
| | | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Income - Income Documentation Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Liabilities - Payoff Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Missing Business Purpose Affidavit | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Tax Cert | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;4 |
| | | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;72 |
| | | &nbsp;&nbsp;Program Parameters - Borrower/Business Entity Ineligibility | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Purchase Contract - Addendum Missing | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Satisfactory Chain of Title not Provided | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;5 |
| | | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***142*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 W2/1099 Less Than 24 Months Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Cash reserves less than required by guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit Documentation - Letter of Explanation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Eligibility - Investor Experience | &nbsp;&nbsp;2 |

---

![](ex9931001.jpg)

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Flood Insurance Minimum Coverage Not Met<br>&nbsp;&nbsp;Missing Lease Agreement<br>&nbsp;&nbsp;Program Parameters - Currently Listed for Sale<br>&nbsp;&nbsp;Program Parameters - Guidelines Conformity<br>&nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;1<br>&nbsp;&nbsp;2<br>&nbsp;&nbsp;1<br>&nbsp;&nbsp;13<br>&nbsp;&nbsp;***68*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Missing Doc - 3rd Party Valuation Product/Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Missing Doc - Second Appraisal Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;122 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***130*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Condo - Warrantability | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Missing Doc - 3rd Party Valuation Product/Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Missing Doc - Updated Completion Report (442/1004D) Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Property Issue - Condo Ineligible | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Property Issue - Neighborhood Location | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (B) Exceptions*** | &nbsp;&nbsp;***14*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Charges That Cannot Increase Test (50001251) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Condo Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Late Charge Grace Period is less than 10 days | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Late Charge Percent is greater than allowable | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Late Charge Percent is less than 3% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test (50001262) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Loan Originator NMLS Status is Unknown | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Escrow Waiver Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - ROR/Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing HUD-1 Closing Statement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Principal and Interest payment on note does not match loan terms of the note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Final Closing Disclosure contains errors | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Initial 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID: CD not delivered at least 3 days prior to consummation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID: Missing Final Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID: Missing Initial Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***151*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test (50001251) | &nbsp;&nbsp;1 |

---

![](ex9931001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test (50001258) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions*** | &nbsp;&nbsp;***2*** |

---

**Tape Integrity Review Results Summary**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 143 mortgage loans reviewed, 77 unique mortgage loans (by loan count) had a total of 199 different tape discrepancies across 39 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;143 | &nbsp;&nbsp;1.40% |
| &nbsp;&nbsp;B1 Individual Tax Identification Number (ITIN)? | &nbsp;&nbsp;11 | &nbsp;&nbsp;143 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;B3 Verified Citizenship Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;143 | &nbsp;&nbsp;2.10% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;10 | &nbsp;&nbsp;143 | &nbsp;&nbsp;6.99% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;19 | &nbsp;&nbsp;143 | &nbsp;&nbsp;13.29% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;6 | &nbsp;&nbsp;143 | &nbsp;&nbsp;4.20% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;10 | &nbsp;&nbsp;143 | &nbsp;&nbsp;6.99% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;6 | &nbsp;&nbsp;143 | &nbsp;&nbsp;4.20% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;22 | &nbsp;&nbsp;143 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |

---

![](ex9931001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Other Lien Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;10 | &nbsp;&nbsp;143 | &nbsp;&nbsp;6.99% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;143 | &nbsp;&nbsp;4.20% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;3 | &nbsp;&nbsp;143 | &nbsp;&nbsp;2.10% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;7 | &nbsp;&nbsp;143 | &nbsp;&nbsp;4.90% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;143 | &nbsp;&nbsp;2.10% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;143 | &nbsp;&nbsp;2.80% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;15 | &nbsp;&nbsp;143 | &nbsp;&nbsp;10.49% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;28 | &nbsp;&nbsp;143 | &nbsp;&nbsp;19.58% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;143 | &nbsp;&nbsp;1.40% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;143 | &nbsp;&nbsp;1.40% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Underwriting Guideline Version | &nbsp;&nbsp;1 | &nbsp;&nbsp;143 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Underwriting Guideline Version Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;143 | &nbsp;&nbsp;3.50% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;143 | &nbsp;&nbsp;4.90% |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Property Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

![](ex9931001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Property Event Grades** | &nbsp;&nbsp;**Property Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.32

**Exhibit 99.32**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Deal ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | XXXX | 4350118999 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Not Applicable | 6783859 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118999 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Not Applicable | 6783860 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118999 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Not Applicable | 6783861 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118996 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6647115 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118996 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6660298 | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118996 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6687835 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6552537 | 1 of 3 | XXXX | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. Please provide executed Guaranty Agreement <br>|  | Document Uploaded. - XXXX<br>| Personal Loan Guaranty was provided. Condition resolved. - XXXX<br>The Personal Loan Guaranty is not missing. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350119001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6553200 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350119001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6553204 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350118995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6588751 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6588920 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6588924 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6801388 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6801389 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6801390 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6506467 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6517423 | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6591405 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6144838 | 1 of 4 | XXXX | Compliance | Late Charge Grace Period is less than 10 days | Late charge grace period is less than 10 days. <br>|  | Document Uploaded. - XXXX<br>| Received confirmation loan is exempt - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6144839 | 2 of 4 | XXXX | Compliance | Late Charge Percent is greater than allowable | Late charge percent is greater than allowable. <br>|  | Document Uploaded. - XXXX<br>| Received confirmation loan is exempt - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6163746 | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6163748 | 4 of 4 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6520628 | 1 of 4 | XXXX | Compliance | Late Charge Grace Period is less than 10 days | Late charge grace period is less than 10 days. Late charge is 5 days <br>|  | Document Uploaded. Please see from out legal department - XXXX<br>| XXXX loan is not a home loan and not subject to grace period - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6520629 | 2 of 4 | XXXX | Compliance | Late Charge Percent is greater than allowable | Late charge percent is greater than allowable. Late charge is 10% <br>|  |  | XXXX loan is not a home loan and not subject to percentage limits - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6520709 | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6520711 | 4 of 4 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119003 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6866512 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119003 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6866514 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119003 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6875988 | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6126574 | 1 of 4 | XXXX | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN documentation. The EIN provided shows XXXX XXXX as the owner of XXXX XXXX, LLC, but the Operating Agreement reflects the borrower as the owner. Please provide the updated EIN documentation or proof of the transfer from XXXX to the XXXX. <br>|  | XXXX XXXX is listed as Gen Ptr, who filed the EIN on behalf of the borrower. The operating agreement shows that the the borrower is 100% Owner. EINs are not required to be in the borrowers name and they do not determine ownership. please waive condition - XXXX<br>| Upon additional review, sole member of the LLC in question is the borrower, condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6126577 | 2 of 4 | XXXX | Credit | Corporation/LLC: Certificate of Good Standing Doc is Missing | The loan file does not contain the Corporation/LLC: Certificate of Good Standing. Please provide the certificate of good standing for XXXX XXXX, LLC <br>|  | Document Uploaded. - XXXX<br>| Certificate of Good Standing provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6126670 | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6126671 | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118992 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6355998 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118992 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6355999 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118992 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6356000 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6825474 | 1 of 3 | XXXX | Credit | Flood Insurance Minimum Coverage Not Met | Flood insurance coverage amount does not meet minimum required coverage amount. A formal exception is located in the loan file for insufficient flood insurance. <br>|  |  |  | Reserves exceeds minimum requirements. DSCR exceeds minimum requirements. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6825477 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350119002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6825478 | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6356386 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6365481 | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6493607 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118945 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6253550 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118945 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6253555 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118945 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6282044 | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118944 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6266698 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118944 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6266703 | 2 of 3 | XXXX | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118944 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6281457 | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118948 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6481355 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118948 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6481375 | 2 of 3 | XXXX | Credit | Credit Report and 1003 mismatch | There is 1 borrower on the subject loan; however, the credit report shows 2 borrowers, each with the same name and date of birth but slightly different SSN's. <br>|  | Document Uploaded. - XXXX<br>| LOX was provided stating: CBR was run listing the borrower as the co-borrower as well. The report confirms they are the same person, although the CBR reflects different social security numbers. SS Card is in file confirming the actual SSN.<br> - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118948 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6488688 | 3 of 3 | XXXX | Compliance | TRID: CD not delivered at least 3 days prior to consummation | No evidence non-borrowing title holder XXXX XXXX was provided a copy of the CD at least 3 days prior to closing <br>|  | Document Uploaded. - XXXX <br>Document Uploaded. - XXXX<br>| Received confirmation of e-sign by non borrower - XXXX<br>Received final CD signed by non borrower at closing. Finding is that the non-borrower was not provided a copy at least 3 days prior to closing - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118952 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6691449 | 1 of 3 | XXXX | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is missing. Please provide the Initial Escrow Account Disclosure as it is missing from the file, otherwise the finding will not be able to be cured. <br>|  | Document Uploaded. - XXXX<br>| Received disclosure - XXXX<br>|  | XXXX | Resolved | 2 | 1 | 2 | 1 |
| XXXX | XXXX | 4350118952 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6792001 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 1 |
| XXXX | XXXX | 4350118952 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6893420 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  | The loan meets all applicable credit guidelines. - XXXX<br>|  | XXXX | Cleared | 1 | 1 | 2 | 1 |
| XXXX | XXXX | 4350118946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6264431 | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6273736 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6273739 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118951 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6558889 | 1 of 3 | XXXX | Compliance | Missing Doc - ROR/Missing | Right of Rescission is missing. Please provide the missing Right of Rescission. <br>|  | Document Uploaded. - XXXX<br>| Right of Rescission is provided. - XXXX<br>Received RTC - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350118951 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6584548 | 2 of 3 | XXXX | Credit | Borrower - Residency Alien Documentation | The borrower indicates Resident Alien status, however, the file contains no evidence documenting status as legally. Per URLA - Borrower is Permanent Resident Alien - Provide missing valid Permanent Resident card. <br> \*\* If URLA is incorrect, URLA to be corrected AND provide<br> • They have current, verified status, which may be documented by a valid employment authorization document (EAD) showing immigration status/program (if status is unclear, the underwriter can request I-797 to verify borrower's status), or other documentation showing immigration status is current (e.g., Green Card, work visa, etc.).<br> o Documents must be CURRENT at the time of the note date. If any document is expired as of the note date, it is acceptable to provide proof of application for renewal documented by the receiving agency (e.g., Filing receipt, letter with case receipt confirmation.)\*\* <br>|  | Document Uploaded. Perm resident card- borrower provided i094 with i-551 stamp which confirmed perm resident status and employment authorized expiration of XXXX. This is issued to perm resident aliens who have lost their cards or are applying for naturalization. The form has note of N-400 pending application for naturalization. Pulled status from XXXX and it confirmed still in process since July, uploaded to file. - XXXX<br>| Documents provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 2 | 1 | 4 | 1 |
| XXXX | XXXX | 4350118951 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6584576 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350118950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6688551 | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6778574 | 2 of 3 | XXXX | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. A fraud report which includes all parties to the transaction is required on all loans - and is missing. <br>|  | Document Uploaded. - XXXX<br>| Drive Report provided. Condition resolved. - XXXX<br>Third party fraud report is provided - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6778576 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6686991 | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6794523 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6818024 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118947 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6442581 | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118947 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6482587 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118947 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6482594 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6592858 | 1 of 5 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6600766 | 2 of 5 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. The CLTV of 75% exceeds the guideline maximum of 70%. <br>|  | Document Uploaded. - XXXX<br>| Exception approval provided. Condition waived. - XXXX<br>| 6 years employment history, residual income >XXXX, DTI at <25%, FICO >700 | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6600767 | 3 of 5 | XXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. The HLTV of 75% exceeds the guideline maximum of 70%. <br>|  | Document Uploaded. - XXXX<br>| Exception approval provided. Condition waived. - XXXX<br>| 6 years employment history, residual income >XXXX, DTI at <25%, FICO >700 | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6600768 | 4 of 5 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The LTV of 75% exceeds the guideline maximum of 70%. <br>|  | Document Uploaded. - XXXX<br>| Exception approval provided. Condition waived. - XXXX<br>| 6 years employment history, residual income >XXXX, DTI at <25%, FICO >700 | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6600838 | 5 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6406564 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6406584 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6406594 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6289239 | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6389792 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6389822 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6409703 | 1 of 4 | XXXX | Compliance | Missing HUD-1 Closing Statement | Final HUD-1 Document is Missing. Missing final settlement statement. The one in file is an estimate. <br>|  | Document Uploaded. - XXXX<br>| Received final Settlement statement<br> - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350118922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6409732 | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350118922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6409842 | 3 of 4 | XXXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing <br>|  | Document Uploaded. - XXXX<br>| GAP Report was provided. Condition resolved. - XXXX<br>Borrower 1 Gap Credit Report is not missing. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350118922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6409946 | 4 of 4 | XXXX | Credit | Approval/Underwriting Summary Deficient | Approval/Underwriting Summary is deficient. Provide final 1008 reflecting LTV/CLTV/HCLTV based on documents in file: XXXX.00 Note / XXXX.00 Appraisal = 64.36%. <br>|  | Document Uploaded. - XXXX<br>| Corrected 1008 was provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350118924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Not Applicable | 6426967 | 1 of 3 | XXXX | Compliance | The Initial 1003 is Missing | The Initial 1003 is missing. <br>|  | Document Uploaded. - XXXX<br>| Received intial 1003 - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Not Applicable | 6428244 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Not Applicable | 6428251 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6356364 | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6356365 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6356366 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6201650 | 1 of 9 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. Per the XXXX Matrix, the max LTV/CLTV for a credit score of 720 and P&L income documentation is 60%. No exception in file. <br>|  | Document Uploaded. - XXXX<br>| Exception Form provided. Audited CLTV exceeds guideline CLTV. Per the XXXX Matrix, the max LTV/CLTV for a credit score of 720 and P&L income documentation is 60%. - XXXX<br>| Reserves<br> Cash out proceeds can cover reserve more than 30 months<br> FICO<br> 736 above than 720<br> Residual income<br> More than XXXX | XXXX | Waived | 3 | 2 | 4 | 2 |
| XXXX | XXXX | 4350118918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6201651 | 2 of 9 | XXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. Per the XXXX Matrix, the max LTV/CLTV for a credit score of 720 and P&L income documentation is 60%. No exception in file. <br>|  | Document Uploaded. - XXXX<br>| Exception Form provided. Audited CLTV exceeds guideline CLTV. Per the XXXX Matrix, the max LTV/CLTV for a credit score of 720 and P&L income documentation is 60%. - XXXX<br>| Reserves<br> Cash out proceeds can cover reserve more than 30 months<br> FICO<br> 736 above than 720<br> Residual income<br> More than XXXX | XXXX | Waived | 3 | 2 | 4 | 2 |
| XXXX | XXXX | 4350118918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6201652 | 3 of 9 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Per the XXXX Matrix, the max LTV/CLTV for a credit score of 720 and P&L income documentation is 60%. No exception in file. <br>|  | Document Uploaded. - XXXX<br>| Exception Form provided. Audited CLTV exceeds guideline CLTV. Per the XXXX Matrix, the max LTV/CLTV for a credit score of 720 and P&L income documentation is 60%.<br> - XXXX<br>| Reserves<br> Cash out proceeds can cover reserve more than 30 months<br> FICO<br> 736 above than 720<br> Residual income<br> More than XXXX | XXXX | Waived | 3 | 2 | 4 | 2 |
| XXXX | XXXX | 4350118918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6210034 | 4 of 9 | XXXX | Compliance | TRID: Missing Loan Estimate | The proceeds from the refinance of this investment property is used to pay off personal debts, thus the loan is considered a consumer-purpose loan and TRID disclosures (Loan Estimate and Closing Disclosure) are required. Missing LE and CD's <br>|  | Document Uploaded. - XXXX <br>Hi team,<br> This loan is for an investment property and it belongs to the business purpose loan. The business purpose loan is not abide by the TRID rule. Therefore, the LEs and CDs are not required. <br> Our other investors also do not require the LEs and CDs for the investment loans. Please kindly help clear this condition. Thank you! - XXXX<br>| Received initial LE issued XXXX and revised LE issued XXXX. Findig resolved - XXXX<br>Due to the fact the proceeds from the refinance of this investment property are used to pay off personal debts, the loan is considered a consumer-purpose loan and TRID disclosures are required. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 2 |
| XXXX | XXXX | 4350118918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6210050 | 5 of 9 | XXXX | Compliance | TRID: Missing Initial Closing Disclosure | The loan file does not contain the initial Closing Disclosure. The proceeds from the refinance of this investment property is used to pay off personal debts, thus the loan is considered a consumer-purpose loan and TRID disclosures (Loan Estimate and Closing Disclosure) are required. Missing LE and CD's <br>|  | Document Uploaded. - XXXX <br>Hi team,<br> This loan is for an investment property and it belongs to the business purpose loan. The business purpose loan is not abide by the TRID rule. Therefore, the LEs and CDs are not required. <br> Our other investors also do not require the LEs and CDs for the investment loans. Please kindly help clear this condition. Thank you! - XXXX<br>| Received initial CD issued XXXX, final CD issued XXXX and PCCD issued XXXX. Finding resolved - XXXX<br>Due to the fact the proceeds from the refinance of this investment property are used to pay off personal debts, the loan is considered a consumer-purpose loan and TRID disclosures are required. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 2 |
| XXXX | XXXX | 4350118918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6210057 | 6 of 9 | XXXX | Compliance | TRID: Missing Final Closing Disclosure | The loan file does not contain the Final Closing Disclosure. The proceeds from the refinance of this investment property is used to pay off personal debts, thus the loan is considered a consumer-purpose loan and TRID disclosures (Loan Estimate and Closing Disclosure) are required. Missing LE and CD's <br>|  | Document Uploaded. - XXXX <br>Hi team,<br> This loan is for an investment property and it belongs to the business purpose loan. The business purpose loan is not abide by the TRID rule. Therefore, the LEs and CDs are not required. <br> Our other investors also do not require the LEs and CDs for the investment loans. Please kindly help clear this condition. Thank you! - XXXX<br>| TRID: Final Closing Disclosure Provided - XXXX<br>Due to the fact the proceeds from the refinance of this investment property are used to pay off personal debts, the loan is considered a consumer-purpose loan and TRID disclosures are required. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 2 |
| XXXX | XXXX | 4350118918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6255679 | 7 of 9 | XXXX | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-XXXX' are less than $XXXX.  |  | Document Uploaded. - XXXX<br>| Per Guidelines, Cash-out may be used for reserves. Condition resolved. - XXXX<br>Total Cash reserves are greater than XXXX. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 2 |
| XXXX | XXXX | 4350118918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6255932 | 8 of 9 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 2 |
| XXXX | XXXX | 4350118918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6343219 | 9 of 9 | XXXX | Compliance | Lender Credits That Cannot Decrease Test XXXX | The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX.00). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credit decreased from $XXXX to $XXXX without a CIC <br>|  | Document Uploaded. - XXXX<br>| Received CIC - XXXX<br>- XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 2 |
| XXXX | XXXX | 4350118920 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6263807 | 1 of 3 | XXXX | Compliance | TRID: CD not delivered at least 3 days prior to consummation | No evidence non-borrowing title holder XXXX was provided a copy of the CD at least 3 days prior to close <br>|  | Document Uploaded. - XXXX<br>| Received signed CD 3 days prior to clsong - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118920 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6361932 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118920 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6361933 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6289655 | 1 of 5 | XXXX | Credit | Income and Employment Do Not Meet Guidelines | CPA Letter does not meet guides as it is not on the CPA's letter head showing address and phone number of the CPA. Income and employment do not meet guidelines. <br>|  | Document Uploaded. - XXXX <br>Document Uploaded. - XXXX<br>| CPA Letter provided. Condition resolved. - XXXX<br>Income and Employment Meet Guidelines - XXXX<br>Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6289662 | 2 of 5 | XXXX | Credit | Approval - Lender Income Calculation Missing | The loan file did not contain the lender income calculation worksheet as required. Missing the lender's income calculation worksheet. <br>|  | Document Uploaded. - XXXX<br>| P&L Loan. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6289690 | 3 of 5 | XXXX | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as required. Per the loan application the borrower's business address and home address are one and the same, which appear to be in strip mall per the google in file. Please provide an LOE regarding this discrepancy - it may just be an oversight. <br>|  | Document Uploaded. - XXXX<br>| LOE provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6290675 | 4 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6311125 | 5 of 5 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6356746 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6356747 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6356748 | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6470345 | 1 of 4 | XXXX | Credit | Missing Property Tax Cert | Missing property tax cert. Documentation supporting the monthly tax payment of $XXXX is missing from the loan file. <br>|  | Document Uploaded. - XXXX<br>| Tax Cert provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6470956 | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6486573 | 3 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6549360 | 4 of 4 | XXXX | Credit | Condo - Documentation | The loan file did not contain required condo documentation (ie. Master HOI, Condo Questionnaire, Condo Budget, Project Review). Please provide the condo questionnaire. <br>|  | Document Uploaded. - XXXX<br>| Condition voided. Subject is new construction, and standalone, detached residence. - XXXX<br>|  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | XXXX | 4350118926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6403310 | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6403326 | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6520756 | 3 of 4 | XXXX | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. <br>|  | Document Uploaded. - XXXX<br>| Fraud report provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6520758 | 4 of 4 | XXXX | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. Settlement statements provided are all marked "estimate". <br>|  | Document Uploaded. - XXXX<br>| Final Settlement Statement provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6457268 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6576202 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6576203 | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6683735 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6683736 | 2 of 3 | XXXX | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6984395 | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - XXXX<br>|  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6609116 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6724666 | 2 of 3 | XXXX | Credit | Gift Letter - No Evidence for Transfer of Funds | No evidence of the transfer of gift funds from the donor to the borrower was located in the file. Please document receipt of the gift funds to the closing agent or to the borrower's account. <br>|  | Document Uploaded. - XXXX<br>| Evidence of the transfer of gift funds provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6724704 | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118931 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6802302 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118931 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6802303 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118931 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6803038 | 3 of 3 | XXXX | Credit | Assets - Miscellaneous | The loan file does not contain all required asset documentation. There are bank statements in file for another company named XXXX Inc, however, the name of the company the buyer is a member of and the loan closed in is XXXX, LLC. The underwriter did not see any additional documentation for the XXXX Inc company to verify it is an acceptable asset source for the guarantor (that he owns that company as well as 100% owner). Need documentation verifying the assets statements used for XXXX Inc is an acceptable asset to use. <br>|  | Document Uploaded. - XXXX<br>| Permission letter provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6356846 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6356848 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6356850 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6436802 | 1 of 5 | XXXX | Credit | Income - Income Documentation Missing | The loan file did not contain the required income documentation. An expense ratio of 21% was used for business bank statements however, no CPA letter was provided to allow less than 50% required by guidelines. The file only contains a letter from the borrower. <br>|  | Document Uploaded. Please see attached income worksheet reflecting UW using 30% expense ratio per allowed guideline - XXXX <br>The underwriter reviewed the line of work and borrowers letter to determine that a 30% expense ratio was accurate. Lender guidelines do not require a CPA letter. XXXX 16 reads: Monthly net income after deducting a 50% expense factor (the percentage can be higher or lower if the underwriter determines its reasonable for the line of work and the file is notated). - XXXX<br>| Guidelines allow for underwriter to use a lesser expense ration based on business, lender used 30%, condition resolved. - XXXX<br> Condition upheld. Per Guidelines a 50% expense ratio was to be be used when calculating S/E Bank Statement income. Loan approval has an approved condition dated XXXX that states: 203. (UPDATED XXXX: STILL NEED BUSINESS EXPENSE RATIO). Borrower to explain his type of business, how income is generated, and explain the wire transfers and XXXX from XXXX, the multiple deposits from "Transfers Recd from XXXX From :XXXX", and the frequent XXXX Transfers fro XXXX XXXX XXXX, and provide the expense ratio for the business. Program requires 50% expense ratio but borrower does not qualify with that amount. Using 30% expense ratio until verified and explained by the borrower. (Additonal information may be needed and subject to income recalculation) Provide the Required expense Ratio from CPA or Exception Form. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6437262 | 2 of 5 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Per Matrix the max LTV/CLTV for a 700 FICO purhcase of a primary residence is 80%. The loan was approved with an LTV of 90%. <br>|  | Document Uploaded. Please see attached - XXXX<br>| Exception Form provided for: Exception to allow 6 months reserves and 90% LTV vs guideline with a FICO of 700 - XXXX<br>| Low DTI<br> High Discretionary Income<br> Housing history 0 X 3o for 12+ months<br> Monthly discretionary income exceeds $XXXX DTI 43.97% | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6437263 | 3 of 5 | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited reserves months are less than the guideline required reserve months. The loan was approved using 6 months' reserves, but guidelines require 12 months' reserves when the loan amount is greater than XXXX. <br>|  | Document Uploaded. Please see attached - XXXX<br>| Exception Form provided for: Exception to allow 6 months reserves and 90% LTV vs guideline with a FICO of 700 - XXXX<br>| Low DTI<br> High Discretionary Income <br> Housing history 0 X 30 for 12+ months | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6437316 | 4 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6451725 | 5 of 5 | XXXX | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is missing. <br>|  | Document Uploaded. Please see attached - XXXX<br>| Received IEAD - XXXX<br>|  | XXXX | Resolved | 2 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118916 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6454814 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118916 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6455151 | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118916 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6457245 | 3 of 3 | XXXX | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. The loan was approved with an appraised value of XXXX, but the appraisal in the file reflects a value of XXXX. Please provide the appraisal showing the appraised value of XXXX or the updated approval with a value of XXXX. <br>|  | Document Uploaded. Please see attached - XXXX<br>| Corrected 1008 was provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6408690 | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6408698 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6408709 | 3 of 3 | XXXX | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. The guidelines require a minimum of 6 months of rent loss insurance. Please document this is included in policy. <br>|  | Document Uploaded. Please see the attached - full policy includes 12 month loss of use coverage. - XXXX<br>| HOI with Rent Loss was provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6464501 | 1 of 5 | XXXX | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating Agreement. The loan is vested in XXXX, LLC, which is 100% owned by XXXX. Please provide the operating agreement for XXXX to verify the borrower's ownership percentage. <br>|  | Document Uploaded. Please see docs attached for XXXX XXXX - XXXX<br>| Operating Agreement was provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6465180 | 2 of 5 | XXXX | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as required. The lease in the file reflects the landlord as XXXX LLC instead of XXXX, LLC. Please provide a letter of explanation detailing the relationship between the borrower and XXXX, LLC. Additional conditions may apply. <br>|  | Document Uploaded. Please see the attached internal exception doc. - XXXX <br>Document Uploaded. Please see the attached. - XXXX<br>| Exception received for borrower owning 5% of XXXX LLC - XXXX<br>Condition upheld. Borrower (individual) only has a 5% stake in the LLC that controls the lease to the subject property. The LLC that the subject transaction closed in is not a party to the lease. Provide exception for or documentation to support the rental income for the subject property when the Borrower (Individual) only has a 5% stake in the leasing LLC. - XXXX<br>| 0x30x24 month housing history; repeat currently performing borrower; 5+ years of property management experience; PITIA reserves above minimum by 6+ months | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6465288 | 3 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6465289 | 4 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6494273 | 5 of 5 | XXXX | Credit | Program Parameters - Borrower/Business Entity Ineligibility | Program Parameters - Borrower/Business Entity Ineligibility. Operating Agreement was provided and Borrower only has 50% ownership. Per Guidelines: If borrower is a legal entity, a full recourse warm body guaranty is required by: One or more individuals which in aggregate own at least 51% of the borrowing entity OR; All members of the entity with 20% or more controlling interest of borrower entity OR; A corporate resolution authorizing the signor to execute all documents on behalf of the entity.<br>|  | Document Uploaded. OA for XXXX LLC attached - 100% owned by XXXX. - XXXX <br>Document Uploaded. Section 1.04 of the attached OA for XXXX names XXXX XXXX as XXXX of the company. Section 6.05 (b) outlines the XXXX as having authority over the entity to execute any deed, mortgage contract or other instrument necessary. This was sufficient as a corporate resolution was note needed. Borrowing series LLC also calls out subject XXXX as the XXXX. - XXXX<br>| Received XXXX Operating Agreement for XXXX, LLC, and in Section 8 states corporation is a single member LLC, and Section 10 states that the subject Guarantor is the sole member of the company and has sole authority and power to act for or on behalf of the company. - XXXX<br>Condition upheld. The Operating Agreement for XXXX was provided, as well as the Operating Agreement for XXXX, LLC. Subject Transaction is a cash-out, where Title was currently held by XXXX LLC. Provide documentation to support the right to refinance from one LLC to another LLC. Possible seasoning issue. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6056202 | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6056207 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6059105 | 3 of 3 | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited reserves months are less than the guideline required reserve months. Audited reserves are 4.43 months ($XXXX). Guidelines require 9 months reserves. The borrower is short $XXXX in reserves. Please provide additional asset statements supporting 9 months of reserves. <br>|  | Document Uploaded. Please see the attached additional accounts and proof of account access. - XXXX<br>| Business Assets were provided. Condition resolved. - XXXX<br>Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of month(s) - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6919944 | 1 of 4 | XXXX | Compliance | The Final 1003 is Missing | The final 1003 is missing. The loan application provided has the incorrect subject property address, loan amount, estimated value etc. <br>|  | Document Uploaded. Please see the attached - XXXX<br>| Received final 1003 - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6920632 | 2 of 4 | XXXX | Compliance | Condo Rider is Missing | Condo Rider is missing. <br>|  | Document Uploaded. Condo Rider attached. - XXXX<br>| Received Rider - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6921010 | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6923908 | 4 of 4 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6920793 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6984436 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  | The loan meets all applicable credit guidelines. - XXXX<br>|  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6984457 | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - XXXX<br>|  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6380754 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6380766 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6391528 | 3 of 3 | XXXX | Property | Missing Doc - Updated Completion Report (442/1004D) Missing | The loan file did not contain the updated completion report (442/1004D) as required. The 1004 appraisal was completed XXXX, and the subject Note was dated XXXX. Guidelines require a 1004D appraisal update and/or completion when the appraisal is dated over 120 days prior to the Note date. <br>|  | Document Uploaded. - XXXX<br>| Received exception - XXXX<br>| 60% LTV; Reservess 4 months over minimum; and credit score of 786 | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118993 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6393608 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118993 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6393617 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118993 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6393630 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6517836 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6517838 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6535593 | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6740479 | 1 of 4 | XXXX | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Lender to provide proof of purchase contract extension with the terms agreed upon. <br>|  | Document Uploaded. attached - XXXX<br>| Contract addendum extending closing was provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 2 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6740497 | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6820858 | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6820927 | 4 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Two parcels for one property. <br>|  |  |  | Compensating factors cited were credit report is higher than 740 score and over 20 points higher than program minimum, and monthly verified reserves is over 4 months program minimum. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350118975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6476129 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6485552 | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6541760 | 3 of 3 | XXXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA letter missing from the file. The file includes a CPA letter confirming the profit and loss statement and the borrower's business; however, documentation of the tax professional's license is missing from the loan file. <br>|  | Document Uploaded. attached. - XXXX<br>| A copy of the CPA's license was provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6408181 | 1 of 7 | XXXX | Compliance | Late Charge Percent is less than 3% | Late charge percent is less than 3%. <br>|  | XXXX charge is 2% - XXXX<br>| Late charge is 2% - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6410148 | 2 of 7 | XXXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO is less than guideline FICO. The audited FICO of 674 is less than the guideline-required FICO of 700. A formal exception is located in the loan file. <br>|  |  |  | 3 months reserves greater than the program requirement | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6495112 | 3 of 7 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The loan was approved with an LTV of 75%, but the maximum LTV allowed for a cash out refinance when the DSCR is less than 1 is 65%. A formal exception is located in the loan file. <br>|  |  |  | 3 months reserves greater than the program requirement | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6495141 | 4 of 7 | XXXX | Credit | Missing Lease Agreement | Per guidelines, for Rate/Term and Cash-Out refinance transactions where the subject property is tenant-occupied, a current executed lease agreement must be provided. This documentation is missing from the loan file. An exception is located in the loan file. <br>|  |  |  | 3 months reserves greater than the program requirement | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6495159 | 5 of 7 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6495340 | 6 of 7 | XXXX | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. <br>|  | Document Uploaded. attached. - XXXX<br>| Fraud Report provided. Condition resolved. - XXXX<br>Third party fraud report is provided - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6534630 | 7 of 7 | XXXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Provide evidence the XXXX and SAM Alerts on XXXX Report were cleared. <br>|  | Document Uploaded. attached. - XXXX<br>| Received evidence cleared/addressed - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6437661 | 1 of 4 | XXXX | Compliance | Late Charge Percent is less than 3% | Late charge percent is less than 3%. Per the note the late fee is 2% of the overdue payment after 15 calendar days. <br>|  | late charge 2% inXXXX - XXXX<br>| Late charge is OK at 2% - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6438814 | 2 of 4 | XXXX | Credit | Gift Letter - Missing | A required gift letter was missing from the file and/or the donor funds were not verified. The final 1003 reflects a gift of $XXXX. This gift was deposited in the XXXX account ending in XXXX on XXXX. A copy of the corresponding gift letter is missing from the loan file. <br>|  | Document Uploaded. attached updated 1003. No gift on this file. - XXXX<br>| Gift Letter provided. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6438988 | 3 of 4 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Per guidelines, the maximum LTV for a borrower with a minimum FICO score of 680 for the subject purchase is 70%. The loan was approved with an LTV of 80%. A formal exception is located in the loan file. <br>|  |  |  | High FICO over program requirements. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6535028 | 4 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6681729 | 1 of 4 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The mortgage being paid off is not reporting on the credit report and no VOM was located in the loan file to verify max 1x30x12 per the guidelines. <br>|  | Document Uploaded. Mortgage statement provided before shows payment history to satisfy VOM condition. - XXXX<br>| VOM/Mortgage Statement provided. Condition resolved. - XXXX<br>Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6682506 | 2 of 4 | XXXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO is less than guideline FICO. The borrower has no credit score, per the guidelines a minimum of 2 scores is required. <br>|  | Document Uploaded. attached exception. - XXXX<br>| Exception provided: NO FICO permanent residence. - XXXX<br>| High DSCR | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6682572 | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6682580 | 4 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6478104 | 1 of 4 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The loan was approved with an LTV of 75% and a DSCR of 0.98. Per guidelines, for cash out refinances, for a borrower with a 762 FICO score and a loan amount of up to XXXX, the maximum LTV is 65% when the DSCR is less than 1. A formal exception is located in the loan file. <br>|  |  |  | High FICO over the program requirement | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350118966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6478107 | 2 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6478108 | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6541429 | 4 of 4 | XXXX | Credit | Missing Lease Agreement | Per the appraisal, the subject property is tenant-occupied but the lease agreement is missing. Per guidelines, For Rate/Term and Cash-Out refinance transactions where the subject property is tenant-occupied, a current<br> executed lease agreement must be provided. A formal exception has been provided, <br>|  |  |  | High FICO over program requires | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6635042 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6635043 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6672263 | 3 of 3 | XXXX | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. Rent Loss Insurance-Rent loss insurance for the subject property is required and must equal at least six (6) months of PITIA/ITIA payments. HOI document show no rent loss. <br>|  | Document Uploaded. corrected hazard cert for rent loss - XXXX<br>| HOI Policy with Rent Loss coverage was provided. Condition resolved. - XXXX<br>Hazard Insurance Policy is fully present - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119006 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6387411 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119006 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6387418 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119006 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6492008 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6357582 | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6467806 | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6467905 | 3 of 4 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per guidelines-For DSCR, a credit report or VOM / VOR is required on the subject property (if a refinance) and the borrower's primary residence only. No documentation in file to validate borrower primary residence rent to meet guidelines. <br>|  | Document Uploaded. Attached is screenshot of our guidelines that was effective XXXX. It is not required. - XXXX <br>VOR/VOM not required on primary residence per guidelines. - XXXX<br>| Condition voided, GL's do not require - XXXX<br>Per GL's - For DSCR, a credit report or VOM / VOR is required on the subject property (if a refinance) and the borrower's primary residence only <br> - XXXX<br>|  | XXXX | Void | 3 |  | 3 | 2 |
| XXXX | XXXX | 4350118956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6468125 | 4 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines-If the subject property was purchased within 6-12 months prior to application date, LTV will be based on the lesser of the sales price (+any documented improvements) or the current appraised value. Date of Prior Sale/Transfer XXXX. Approval is based on using the LTV based on current appraised value. A formal exception is in file. <br>|  |  |  | Compensating factors-High fico over program requirements | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118970 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6356180 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118970 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6356181 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118970 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6494491 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119029 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6659452 | 1 of 3 | XXXX | Property | Property Issue - Neighborhood Location | The subject appraisal verified a neighborhood location not allowed per guidelines. Subject property is in a rural location, per the guidelines, rural properties are ineligible. There is an exception approval in the loan file. <br>|  |  |  | Credit Score 10 points > minimum required<br> DTI 18.064% <= 40%<br> Self-employed for 7 years> 5 years<br> Residual income more than 1.5x the amount required by guidelines | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119029 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6659850 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350119029 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6668588 | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6463881 | 1 of 5 | XXXX | Compliance | Late Charge Percent is less than 3% | Late charge percent is less than 3%. <br>|  | XXXX charge is 2%. - XXXX<br>|  |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6465193 | 2 of 5 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. The audited CLTV of 79.79% exceeds the guideline maximum of 70% for a first-time investor, there is an exception approval in the file. <br>|  |  |  | High FICO over program requirement | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6465194 | 3 of 5 | XXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. The audited HLTV of 79.79% exceeds the guideline maximum of 70% for a first-time investor, there is an exception approval in the file. <br>|  |  |  | High FICO over program requirement | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6465195 | 4 of 5 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The audited LTV of 79.79% exceeds the guideline maximum of 70% for a first-time investor, there is an exception approval in the file. <br>|  |  |  | High FICO over program requirement | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6465259 | 5 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119008 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6857615 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119008 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6857629 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119008 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6857633 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6863272 | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6881396 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6881397 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6610306 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6778455 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6778460 | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118960 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 6531818 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118960 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 6549760 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118960 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 6551804 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6526116 | 1 of 3 | XXXX | Credit | Program Parameters - Currently Listed for Sale | The property is currently listed for sale or was sold. Per the guidelines, properties listed for sale in the past 6 months are not eligible for cash out. Per the appraisal, the property was listed for sale from XXXX and de-listed on XXXX. There is an exception approval in the file. <br>|  |  |  | High FICO over program requires | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350118963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6526186 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6526195 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118972 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6502929 | 1 of 3 | XXXX | Compliance | Late Charge Percent is less than 3% | Late charge percent is less than 3%. <br>|  | late charge inXXXX is 2% - XXXX<br>| Late charge is 2% - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118972 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6516094 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118972 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6545658 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  | The file contains an AVM with a variance of -11.68%. However, a desk review provided supports appraisal value with 0% variance. - XXXX<br>|  | XXXX | Acknowledged | 1 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6755344 | 1 of 3 | XXXX | Property | Missing Doc - Second Appraisal Missing | The loan file did not contain the subject second appraisal as required. Missing the required Collateral Desktop Analysis/Desk Review from XXXX or other approved appraisal review company. <br>|  | Document Uploaded. XXXX CDA ATTACHED <2.5 SCORE - XXXX<br>| Updated CU provided is sufficient.<br> - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6824754 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6838211 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  | The loan meets all applicable credit guidelines. - XXXX<br>|  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6861943 | 1 of 6 | XXXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 credit report is missing. . <br>|  | borrower is a foreign national. - XXXX<br>| Borrower is FN - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 2 |
| XXXX | XXXX | 4350119048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6862127 | 2 of 6 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. Formal exception in file on page 228 for using 80% LTV. <br>|  |  |  | High DSCR | XXXX | Waived | 2 | 2 | 4 | 2 |
| XXXX | XXXX | 4350119048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6862128 | 3 of 6 | XXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. Formal exception in file on page 228 for using 80% LTV. <br>|  |  |  | High DSCR. | XXXX | Waived | 2 | 2 | 4 | 2 |
| XXXX | XXXX | 4350119048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6862129 | 4 of 6 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Formal exception in file on page 228 for using 80% LTV. <br>|  |  |  | High DSCR. | XXXX | Waived | 2 | 2 | 4 | 2 |
| XXXX | XXXX | 4350119048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6862146 | 5 of 6 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 2 |
| XXXX | XXXX | 4350119048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6862150 | 6 of 6 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 2 |
| XXXX | XXXX | 4350118934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6724093 | 1 of 3 | XXXX | Property | Condo - Warrantability | Condominium project is not warrantable, or documentation not provided to determine warrantability The Subject Condo is non-warrantable due to the crime coverage on the master policy property certificate being insufficient at $XXXXvs. the required coverage of $XXXX and not meeting agency full review guidelines. A formal exception is in file (on page 249). <br>|  |  |  | The condo is warrantable on all other aspects. Qualifying Credit Score is 760. The borrowers provided $XXXX in assets. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350118934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6724461 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6724462 | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350119013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6665536 | 1 of 4 | XXXX | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. <br>|  | Document Uploaded. biz purpose attatched - XXXX<br>| Business Purpose Affidavit provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6856037 | 2 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6856056 | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6856077 | 4 of 4 | XXXX | Credit | Eligibility - XXXXzenship Requirements | The documented XXXXzenship does not meet guideline requirements. Borrower is a Non Permanent Resident . FIle does not contain a work visa. <br>|  | Document Uploaded. brwr work auth EAD card attatched along with SS card authorizing work<br> - XXXX<br>| Employment Authorization card provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6823603 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6823610 | 2 of 3 | XXXX | Credit | Eligibility - Borrower Identity | The loan file reflected potential identity issues. The borrower ID is expired, it expired XXXX. <br>|  | Document Uploaded. Hello, The USA Patriot Act Disclosure is utilized for purposes of validation of identity. I have provided a form for each borrower. The USA Patriot Act reads as follows: • Customer Identification Program (CIP): Section 326 requires banks to verify identities, so the agent (attorney-in-fact) must provide identification, and the bank determines if the agent or the account owner is the "customer" for CIP purposes.. Please accept and clear. Thank you. - XXXX<br>| The USA Patriot Act Disclosure was provided, showing expiration is XXXX. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6841905 | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119031 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6842658 | 1 of 3 | XXXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. <br>|  | Document Uploaded. Please find the certification, CPA letter and IRS validation of the Enrolled Agent's credentials. Please accept. Thank you. - XXXX<br>| CPA Letter Provided. Condition resolved. - XXXX<br>Borrower 1 3rd Party VOE prior to close was provided. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119031 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6843033 | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119031 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6843034 | 3 of 3 | XXXX | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6676492 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6676494 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6688968 | 3 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines-Nothing in guideline XXXX in regards to rental loss insurance requirements. A formal exception is in file for having less than 6 rent loss coverage. <br>|  |  |  | Compensating factors-Borrower has high fico over program requirements | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6843425 | 1 of 4 | XXXX | Credit | Title Document Missing | Title document is missing. Missing Title <br>|  | Document Uploaded. - XXXX<br>| Complete title provided. Condition resolved - XXXX<br>Title document is fully present - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6851148 | 2 of 4 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Provide Documentation for PITIA Payment, Taxes, Insurance, HOA, and Final HUD. for New Primary XXXX Drive <br>|  | Document Uploaded. - XXXX<br>| Received HUD supporting PITIA for XXXX - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6858475 | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6860475 | 4 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6842404 | 1 of 3 | XXXX | Credit | Approval/Underwriting Summary Deficient | Approval/Underwriting Summary is deficient. Lender to provide full loan approval. <br>|  | Document Uploaded. - XXXX<br>| 1008 provided - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6842456 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6843134 | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6670653 | 1 of 8 | XXXX | Compliance | Late Charge Percent is less than 3% | Late charge percent is less than 3%. <br>|  | XXXX is 2% - XXXX | Late charge meets guidelines, condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6671023 | 2 of 8 | XXXX | Credit | Property Title Issue | Property title issue. Per the XXXX State Warrant Search in file, there outstanding state and child support warrants. Please provide documentation to show that these are satisfied or that they don't belong to the borrower. <br>|  | Document Uploaded. attached - XXXX<br>| Subject loan is a Purchase. Borrower Affidavit provided stating the items on Data Trace are not Borrowers. - XXXX<br>Property Title Issue Resolved - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6671285 | 3 of 8 | XXXX | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline requirements. The borrower is a first time homebuyer and a first time investor. Per guidelines, First Time Home Buyers ("FTHB") are allowed on an exception basis. A formal exception is located in the loan file. <br>|  |  |  | High Fico over program requirement. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6671527 | 4 of 8 | XXXX | Credit | Gift Letter - Missing | A required gift letter was missing from the file and/or the donor funds were not verified. Per the final loan application, the loan was approved using gift funds of $XXXX. The gift letter for these funds are missing from the loan file. <br>|  | Copy of check is accepted as verification. Our guidelines accept a canceled check for verification.<br> This should suffice this condition and the others. - XXXX <br>Document Uploaded.XXXXprint out has sufficient funds - XXXX<br>| No gift needed - XXXX<br> Condition upheld. Borrower needed $XXXX to close per Settlement Statement. Borrower's EMD was XXXX. Required reserves are $XXXX. A XXXX Statement has been provided showing $XXXX in verified assets. There is no evidence in the file for the EMD deposit. Borrower is short funds to close + reserves. - XXXX<br> Condition upheld. Removing gift of XXXX puts Borrower short funds to close/reserves. EMD deposit of XXXX is not verified as well. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6671587 | 5 of 8 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6676438 | 6 of 8 | XXXX | Credit | Gift Letter - No Evidence for Transfer of Funds | No evidence of the transfer of gift funds from the donor to the borrower was located in the file. Per the final loan application, the loan was approved using gift funds of XXXX. Documentation of the transfer of these funds are missing from the loan file. Without these funds the borrower is short on reserves. <br>|  | Document Uploaded.XXXXprintout has sufficient funds. - XXXX<br>| Copy of front and back of check in file sufficient. - XXXX<br>Condition upheld. Removing gift of XXXX puts Borrower short funds to close/reserves. EMD deposit of XXXX is not verified as well. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6772177 | 7 of 8 | XXXX | Credit | Cash reserves less than required by guidelines | Removing gift of XXXX puts Borrower short funds to close/reserves. EMD deposit of XXXX is not verified as well. <br>|  |  | Total Cash reserves are greater than XXXX. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6772178 | 8 of 8 | XXXX | Credit | Assets - Insufficient Cash to Close or Reserves | Removing gift of XXXX puts Borrower short funds to close/reserves. EMD deposit of XXXX is not verified as well. <br>|  |  | Liquid Funds Post-Close are greater than or equal to XXXX. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6751594 | 1 of 5 | XXXX | Credit | Hazard Insurance Policy is Missing | Missing hazard insurance policy. <br>|  | Document Uploaded. - XXXX<br>| HOI Policy provided. Condition resolved. - XXXX<br>Hazard Insurance Policy was provided. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6821925 | 2 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6821943 | 3 of 5 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Maximum 70% LTV for investment purchase transaction 12 months bank statement program when the loan was approved at 80% LTV. The exception in file does not specify the loan was also an LTV exception. <br>|  | Document Uploaded. attached - XXXX<br>| Exception in file for LTV/CLTV. - XXXX<br>| 3 months reserves greater than program requirement; DTI more than 10% below program; FICO >20+ points minimum required | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6821951 | 4 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. First time home buyer and first time investor with PTIN license vs. CPA license for income verification - A formal exception is in file. <br>|  |  |  | Compensating factors used were High FICO over minimum program requirement and Debt ratio more than 10% below program maximum requirement. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6824793 | 5 of 5 | XXXX | Compliance | The Final Closing Disclosure contains errors | Final CD incorrectly indicates that there is no Prepayment Penalty. <br>|  | The final CD was not our final copy. That was bank attorney's prelim that they put in by mistake just for balancing. Our final buyer version is our business purpose settlement statement. - XXXX<br>| HUD Settlement Statement provided. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6860753 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6871368 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6871370 | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6852846 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6852849 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6852867 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119039 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6877170 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119039 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6877179 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119039 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6877184 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6840930 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 1 |
| XXXX | XXXX | 4350119050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6841029 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 1 |
| XXXX | XXXX | 4350119050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6841087 | 3 of 3 | XXXX | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Missing the following Exhibits to Agreement: Exhibit A Terms of Sale and Fact; Exhibit B Wiring instructions of Assignor; Exhibit C Assignment of Successful Bid; Exhibit D Judgment of Foreclosure and Sale. <br>|  | Document Uploaded. attached exhibits. - XXXX <br>Exhibit information within the contract provided. - XXXX<br>| All Addendums to the Purchase Contract were provided. Condition resolved. - XXXX<br>No uploaded documents located. Condition upheld. - XXXX<br>|  | XXXX | Resolved | 2 | 1 | 2 | 1 |
| XXXX | XXXX | 4350118981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6695196 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6695197 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6737693 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118986 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6722036 | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118986 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6722037 | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118986 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6821261 | 3 of 4 | XXXX | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline requirements. First time home buyer and first time investor allowed on an exception basis. <br>|  | Verified assets 27 months over minimum guideline requirement. - XXXX <br>|  | Compensating factor used was high FICO over program minimum requirement. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118986 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6821617 | 4 of 4 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Guidelines allow a maximum of 70% LTV/CLTV for first time home buyers, when loan was approved with an 80% LTV/CLTV. The exception in file does not specify the loan is also an LTV/CLTV exception. <br>|  | Document Uploaded. attached. - XXXX<br>| Exception in file for LTV/CLTV. - XXXX<br>| Compensating factor used was high FICO over program minimum requirement. | XXXX | Waived | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119040 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6855518 | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119040 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6855520 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119040 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6855538 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6882099 | 1 of 5 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. Per guidelines-max LTV 70%FTHB/max LTV 75% Non-Warrantable Condo. Loan approved with LTV 77.71. A formal exception is in file. <br>|  |  |  | Compensating factors-Borrower FICO high/over program requirements | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6882100 | 2 of 5 | XXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. Per guidelines-max LTV 70%FTHB/max LTV 75% Non-Warrantable Condo. Loan approved with LTV 77.71. A formal exception is in file. <br>|  |  |  | Compensating factors-Borrower FICO high/over program requirements | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6882101 | 3 of 5 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Per guidelines-max LTV 70%FTHB/max LTV 75% Non-Warrantable Condo. Loan approved with LTV 77.71. A formal exception is in file. <br>|  |  |  | Compensating factors-Borrower FICO high/over program requirements | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6921067 | 4 of 5 | XXXX | Property | Condo - Warrantability | Condominium project is not warrantable, or documentation not provided to determine warrantability Per guidelines-Warrant Condo and Non-Warrantable Condo. Approved loan being non-warrantable condo. A formal exception is in file. <br>|  |  |  | Compensating factors-Borrower FICO high/Over program requirements | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6921578 | 5 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350119047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6875094 | 1 of 5 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. The audited CLTV of 80% exceeds the guideline maximum of 75%. There is an exception approval in the file. <br>|  |  |  | High Fico over program requirements | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6875095 | 2 of 5 | XXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. The audited HLTV of 80% exceeds the guideline maximum of 75%. There is an exception approval in the file. <br>|  |  |  | High Fico over program requirements | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6875096 | 3 of 5 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The audited LTV of 80% exceeds the guideline maximum of 75%. There is an exception approval in the file. <br>|  |  |  | High Fico over program requirements | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6875256 | 4 of 5 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Unable to locate a 3rd party valuation product in the loan file. <br>|  | Document Uploaded. attached. - XXXX<br>| Received CDA supporting value - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Not Applicable | 6875261 | 5 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118989 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6876627 | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118989 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6876633 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118989 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6876634 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119041 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6863097 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119041 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6863098 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119041 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6863113 | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6860056 | 1 of 3 | XXXX | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing. <br>|  | Document Uploaded. attached. - XXXX<br>| Received DOT - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350119049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6861328 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350119049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6984420 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  | The loan meets all applicable credit guidelines. - XXXX<br>|  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350119045 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6859126 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119045 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6859129 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119045 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6880233 | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 6390691 | 1 of 3 | XXXX | Property | Property Issue - Neighborhood Location | The subject appraisal verified a neighborhood location not allowed per guidelines. The loan file contains a lender exception for Agricultural/Rural zoning as per the appraisal provided. <br>|  |  |  | The exception was approved with compensating factors of a 757 FICO, and self-employment of 8 years. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 6390940 | 2 of 3 | XXXX | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-XXXX' are less than $XXXX. The Total Qualified Assets for Reserves Post Close in the amount of $XXXX are short $XXXX. The lender's guidelines require 9 months PITIA reserves, or $XXXX <br>|  | Document Uploaded. - XXXX<br>| Asset Statement provided. Condition resolved. - XXXX<br>Total Cash reserves are greater than XXXX. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 6402659 | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6371608 | 1 of 7 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6371616 | 2 of 7 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6472724 | 3 of 7 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. Per guidelines-0.75 ≤ DSCR < 1 max LTV 65%. Loan approved with 70% LTV. A formal exception is in file. <br>|  |  |  | Compensating factors-Borrower high FICO over program requirements | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6472725 | 4 of 7 | XXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. Per guidelines-0.75 ≤ DSCR < 1 max LTV 65%. Loan approved with 70% LTV. A formal exception is in file. <br>|  |  |  | Compensating factors-Borrower high FICO over program requirements | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6472726 | 5 of 7 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Per guidelines-0.75 ≤ DSCR < 1 max LTV 65%. Loan approved with 70% LTV. A formal exception is in file. <br>|  |  |  | Compensating factors-Borrower high FICO over program requirements | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6472788 | 6 of 7 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per guidelines-§ 1x30x12 mortgage on the subject property. Subject property not shown on cbr and no VOM in file. <br>|  | Document Uploaded. attached 12 mo payment history - XXXX<br>| 12 mo payment history provided. Condition resolved. - XXXX<br>Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6473851 | 7 of 7 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines-§ Investment only. Borrower must complete and sign Business Purpose & Occupancy Affidavit. Per appraisal project is certified with only primary and second home eligibility only. A formal exception is in file. <br>|  |  |  | Compensating factors-Borrower FICO is 823 and experienced investor. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118967 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6369895 | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118967 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6387114 | 2 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118967 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6495102 | 3 of 4 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Refinance transaction with DSCR score less than 1.0 at 70% LTV when guideline maximum LTV for loan type is 65% LTV - A formal exception is in file. <br>|  | Compensating factors used were High credit score over program requirement. - XXXX <br>|  | Compensating factors used were High credit score over program requirement. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350118967 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6495127 | 4 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Condominium project is certified with only primary and second home transactions, when the subject is an investment transaction - A formal exception is in file. <br>|  |  |  | Compensating factors used were Borrower is Guarantor is an experienced investor and Guarantor's credit score is 823. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6750198 | 1 of 7 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. In addition to missing CLTV exception, also missing exception for secondary financing as guidelines do not allow. Guidelines state Secondary Financing. <br>|  |  |  |  | XXXX | Void | 3 |  | 3 | 2 |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6750200 | 2 of 7 | XXXX | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited loan amount is greater than the guideline Maximum loan amount. Max loan amount is XXXX. A formal exception is in the file. <br>|  |  |  | High FICO over program. Additional 3 months + reserves greater than program requirement. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6750465 | 3 of 7 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6750498 | 4 of 7 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6750637 | 5 of 7 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Missing terms of subordinated mortgage in the original amount of $XXXX <br>|  | subordination agreement signed at closing was provided. That documentation should suffice. - XXXX<br>| After further review, the subordination documents were located in the loan file. - XXXX<br>|  | XXXX | Void | 3 |  | 3 | 2 |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6750649 | 6 of 7 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Payment history exceeds lates of 1x30x12 mortgage on the subject property. A formal exception is in the file. <br>|  |  |  | High FICO over program. Reserves 3 months+ greater than program requirement. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6822172 | 7 of 7 | XXXX | Credit | Program Parameters - Subordinate Lien | The subject loan does not meet program parameters for subordinate lien. Missing evidence of current balance of subordinate lien in order to support CLTV of 67% per originator. <br>|  | 2nd lien is hard money loan. There is no mortgage statement. - XXXX<br>| After further review, the subordination documents were located in the loan file. - XXXX<br>|  | XXXX | Void | 3 |  | 3 | 2 |
| XXXX | XXXX | 4350119005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6161751 | 1 of 5 | XXXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Lender to provide gap report. <br>|  | Document Uploaded. - XXXX<br>| UDM Report provided. Condition resolved. - XXXX<br>Borrower 1 Gap Credit Report is not missing. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350119005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6162552 | 2 of 5 | XXXX | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-XXXX' are less than XXXX. Lender to provide asset documentation to support reserve requirement. No asset documentation was provided. <br>|  | Document Uploaded. - XXXX <br>Document Uploaded. - XXXX <br>Document Uploaded. - XXXX<br>| Using the balances on XXXX from the XXXX Bank Statement with ending date of XXXX, the Borrower had sufficient reserves to meet guidelines. Closing/Note Date is XXXX. Condition resolved. - XXXX<br> Total Cash reserves are greater than XXXX. - XXXX<br> Condition upheld. Provide Bank Statement with an ending through date of XXXX. The Bank Statement provided would have not been available prior to closing. It is dated XXXX, and Note date is XXXX. - XXXX<br> Condition upheld. Guidelines XXXX state Reserves of 6 months are required for loans up $XXXX and cash-out can be used. 1003 and 1008 list no assets. Asset statement provided has an end date of XXXX. Subject loan Note Date is XXXX. Using the $XXXX Borrower received at closing, Borrower is short $XXXX in required verified reserves. Asset statement provided dated XXXX shows no large deposits and total assets verified of $XXXX <br> Provide correct 1008 and 1003 to show assets provided. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350119005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6162989 | 3 of 5 | XXXX | Credit | Approval/Underwriting Summary Deficient | Approval/Underwriting Summary is deficient. Lender to provide complete loan approval <br>|  | Document Uploaded. - XXXX<br>| 1008 was in file. Loan Approval was provided. Condition resolved. - XXXX<br>Approval/Underwriting Summary is fully present - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350119005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6163000 | 4 of 5 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. <br>|  | Document Uploaded. - XXXX<br>| CDA supporting value was provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350119005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6164297 | 5 of 5 | XXXX | Compliance | Charges That Cannot Increase Test XXXX | The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). <br>|  | Document Uploaded. - XXXX<br>| Received PCCD - XXXX<br>Resolved - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350118955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6366490 | 1 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6494577 | 2 of 5 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The loan was approved with a 70% LTV. The subject transaction is a cash-out refinance with a DSCR of 0.77. Per guidelines, the maximum allowable LTV for a borrower with a 700 FICO score and a DSCR below 1.00 is 60%. A formal exception has been documented in the loan file but it reflects an LTV of 65% instead of 60%. <br>|  | Document Uploaded. attached. - XXXX<br>| Exception provided for 70% LTV exceeding the max of 60% - XXXX<br>| High FICO over the program requirement | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6494773 | 3 of 5 | XXXX | Credit | Liabilities - Payoff Missing | The required debt payoffs were missing from the loan file. Documentation showing the payoff of XXXX Bank is missing from the loan file. <br>|  | Document Uploaded. attached statement. - XXXX <br> Document Uploaded. attached payoff and statement from XXXX ln. - XXXX <br> Payoff is tied to with 3 other loans submitted with this. It was paid off on the XXXX Ln loan XXXX.<br> 4 loans with same payoff - XXXX - XXXX | Received settlement statement showing XXXX Ln paid off - XXXX<br>Please provide final closing disclosure to evidence payoff for XXXX ln. - XXXX<br>Condition upheld. Provide evidence the lien was paid in full. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6494777 | 4 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The condominium project is certified, but only primary and second homes are eligible. The subject transaction is an investment property. A formal exception is included in the loan file; however, it references an LTV of 65% instead of 60%, a loan amount of $XXXX instead of $XXXX; and a DSCR of 0.866 instead of 0.77. Please provide an updated exception reflecting the correct terms. <br>|  | Document Uploaded. attached. - XXXX<br>| Exception form provided for Condo Project is certified for primary and 2nd homes only. - XXXX<br>| High FICO over Program requirement. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6494787 | 5 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6375302 | 1 of 3 | XXXX | Property | Condo - Warrantability | Condominium project is not warrantable, or documentation not provided to determine warrantability A formal exception is located in the loan file for a Non-Warrantable Condo project due to Master Insurance deductible exceeding guideline limits. <br>|  |  |  | Reserves exceeds minimum required. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350118962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6375716 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6474635 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6381125 | 1 of 3 | XXXX | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. Property is in a condominium project that does not meet guideline requirements; condo project can't be certified by XXXX because the Master Insurance deductible exceeds XXXX's Limits. There is an exception approval in the file; however, the exception approval is for another loan (XXXX) the borrower closed on the same day as the subject transaction in the same condo project. <br>|  | Document Uploaded. attached. - XXXX<br>| Exception form provided for Condo Project not approved by XXXX. - XXXX<br>| High FICO over program requires | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6381136 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6381345 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6368227 | 1 of 5 | XXXX | Credit | Property Title Issue | Lender to document the release of the blanket mortgage for the subject property. Property title issue. <br>|  | We closed XXXX ln, XXXX <br> The master payoff includes for above 4 properties and the others you listed. It was paid off on the XXXX Ln loan. - XXXX <br> Document Uploaded. attached statement. - XXXX <br> Document Uploaded. See attached master payoff with statement from XXXX ln. Payoff was paid on that loan combined. - XXXX <br> Payoff tied on these 4 loans submitted: XXXX<br> Payoff was paid on XXXX - XXXX ln - XXXX | Settlement statement for XXXX property reflects full pay off of blanket mortgage, plus payoff, showing the attached properties, including the subject, is sufficient. - XXXX<br> Please provide the settlement statements for XXXX. - XXXX<br> Missing final settlement statement showign XXXX paid, received payoff statement - XXXX<br> Condition upheld. Provide the evidence that the lien on title from XXXX was paid in full as it it not listed on the subject loan Settlement Statement. - XXXX<br> - XXXX<br> - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6369087 | 2 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6369091 | 3 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6369174 | 4 of 5 | XXXX | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. The condominium project is certified, but only primary and second homes are eligible. The subject transaction is an investment property. A formal exception is included in the loan file. <br>|  |  |  | 823 FICO. Experienced investor. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6494986 | 5 of 5 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The loan was approved with a 70% LTV. The subject transaction is a cash-out refinance with a DSCR of 0.77. Per guidelines, the maximum allowable LTV for a borrower with a 700 FICO score and a DSCR below 1.00 is 60%. Please provide the formal exception <br>|  | Document Uploaded. attached exception. - XXXX <br>Document Uploaded. attached. - XXXX<br>| Received exception for LTV - XXXX<br>Condition upheld. Provided the approved condition. Exception Form provided is not marked Approved or signed. - XXXX<br>| High FICO over program requires | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6375445 | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6375460 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6474850 | 3 of 3 | XXXX | Property | Condo - Warrantability | Condominium project is not warrantable, or documentation not provided to determine warrantability Per guidelines-§ Follow XXXX insurance requirement for condo and any insurance requirements this guide is silent. Condo project can't be certified by XXXX due to Master Insurance deductible exceeds XXXX's Limits <br>|  |  |  | Compensating factors-Borrower FICO is 823, experienced investor. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350118961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6379178 | 1 of 3 | XXXX | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. Property is in a condominium project that does not meet guideline requirements; condo project can't be certified by XXXX because the Master Insurance deductible exceeds XXXX's Limits. There is an exception approval in the file, however no comp factors were stated on the loan exception. Please provide comp factors. <br>|  | Document Uploaded. - XXXX<br>| Exception provided for Condo project not being XXXX Approved. - XXXX<br>| High FICO over program requirement. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6379331 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6379334 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6862479 | 1 of 4 | XXXX | Compliance | Late Charge Percent is less than 3% | Late charge percent is less than 3%. <br>|  | XXXX late fee is 2%. - XXXX |  |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6862838 | 2 of 4 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6862840 | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6862843 | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6397892 | 1 of 4 | XXXX | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | Review DSCR of 0.95 does not meet the minimum guideline requirement of 1.0. Origination DSCR is 1.133, DSCR variance due to subject property, property taxes, the originator used the tax amount from the title report, which was for unimproved land, reviewer used the standard 1.25% estimated taxes for new construction purchase in XXXX. Per the lock confirmation, the loan was locked with a DSCR between 1.00 and 1.15 <br>|  | Document Uploaded. Hello, taxes have been updated. Please see the updated 1003 and 1008. DSCR ratios: $XXXX (pitia)=.9046. Please clear the condition. Thank you. - XXXX | Updated 1003 and 1008 provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6398029 | 2 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. 1) Borrower does not own primary residence. 2) Property flip, sales price exceeds previous purchase price by more than 10%, property acquired within 12 months of seller's acquisition. There is an exception approval in the file. <br>|  | Document Uploaded. Hello, I have uploaded the XXXX exception form noting the below items. An approval was granted. What is required to clear the condition? Thank you. - XXXX | Exception approval provided. Condition waived. - XXXX<br>| Credit score greater than 20 points above the minimum required<br> Reserves exceeded requirement by 2 months or more<br> LTV more than 10% below the guideline maximum allowed | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6398033 | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6398036 | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6313501 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6313508 | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6410073 | 3 of 3 | XXXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. <br>|  | Document Uploaded. I have uploaded the Secretary of State printouts for both businesses. Thank you. - XXXX <br> Hello, borrower has 2 self-employed businesses: XXXX LLC and XXXX LLC. The bk stmt business 12 program was used for each business. Documentation is in file for each business (income source). The borrower is not a salaried employee so a verbal voe is not required. Please waive the condition. Thank you. - XXXX | Borrower 1 3rd Party VOE prior to close was provided. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6205555 | 1 of 3 | XXXX | Compliance | The Final 1003 is Missing | The final 1003 is missing. Unable to locate the final 1003 dated XXXX in the file. <br>|  | Document Uploaded. Please see the explanation furnished by our closing manager. Thank you. - XXXX <br>Document Uploaded. Please find the final signed 1003 (for both borrowers). Thank you. - XXXX<br>| Received the final 1003 - XXXX<br>Please provide final 1003 signed at closing. The 1003 provided was signed post-close on XXXX - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6206266 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6246156 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119022 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6298289 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119022 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6305115 | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119022 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6366134 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6296081 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6296097 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6303420 | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6340030 | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6409925 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6409926 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6467235 | 1 of 4 | XXXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA letter missing from the file. The loan was approved with an expense ratio of 15%. The CPA letter is in file, but the documentation of this expense ratio is missing from the letter. Please provide the updated CPA letter with the expense ratio of 15%. <br>|  | Document Uploaded. - XXXX<br>| Exception Provided: Requesting exception for 77.65 LTV (guideline 75) and 15% expense ratio without CPA letter. Expense ratio was approved based on the nature of borrower's business and analyzing the bank statements. Borrower is a doctor with no employees and no rent/mortgage, he only provides a service. - XXXX<br>Condition Upheld. CPA License is not the issue. Please provide the updated CPA letter with the expense ratio of 15%. - XXXX<br>| 24.98 DTI, no mortgage or tradeline lates on credit, self-employed and in this profession since XXXX, 52 months reserves not including cashout funds | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6469560 | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6481218 | 3 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6535943 | 4 of 4 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The loan was approved with an LTV of 77.652%, but the maximum LTV for a loan amount of $XXXX for a borrower with a 669 FICO score on a cash out refinance of a primary residence is 75%. <br>|  | Document Uploaded. - XXXX<br>| Exception provided: Requesting exception for 77.65 LTV (guideline 75) and 15% expense ratio without CPA letter. Expense ratio was approved based on the nature of borrower's business and analyzing the bank statements. Borrower is a doctor with no employees and no rent/mortgage, he only provides a service. - XXXX<br>| 24.98 DTI, no mortgage or tradeline lates on credit, self-employed and in this profession since XXXX, 52 months reserves not including cashout funds | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6227436 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6227490 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6231239 | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6235376 | 1 of 6 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate PITIA documentation for the borrower's investment properties located at; XXXX Hwy, XXXX Ave and XXXX St. <br>|  | Document Uploaded. attached processor cert - XXXX <br>Document Uploaded. attached. - XXXX<br>| Explanation was provided. Condition resolved. - XXXX<br>Condition upheld. XXXX information was provided. XXXX St is free and clear. Provide evidence of PITIA for XXXX Ave - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6235861 | 2 of 6 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. The audited CLTV of 111.31% exceeds the guideline maximum of 65%. There is an exception approval in the file allowing up to 80% CLTV; however, the CLTV is 111.31% due to using the original purchase price from less than 12 months prior to the subject transaction, per the guidelines. <br>|  | Document Uploaded. attached exception. - XXXX <br>Document Uploaded. See image. Delay financing 6 month period is from the previous closing day to current loan's closing date not application start date. - XXXX <br>The loan closed over 6 months of original transaction date, so the loan is no longer in the delayed financing category. Use appraisal value to calculate the LTV. - XXXX<br>| Received exception to waive - XXXX<br> Condition upheld: <br>Per XXXX Mortgage Guidelines dated XXXX. Section Cash-Out Limit it states: Cash-out seasoning of 6 months or less is allowed with the following restriction: Delayed financing, borrower acquired the property through an inheritance, or was legally award the property through divorce, separation or dissolution of domestic partnership. Provide evidence this took place. <br>Per XXXX Mortgage Guidelines dated XXXX. Section Delayed Financing it states: The original transaction was an arm's-length transaction. Settlement statement from purchase confirms no mortgage financing used to acquire subject except for instances in which the borrower has obtained a short term and/or hard money type loan which is being paid through proceeds. A copy of the note is required to verify the terms. Source of funds used for purchase are documented. The New loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees and points on the new mortgage loan. Delayed Financing loans are considered cash out refinances for eligibility purposes. Provide evidence this was followed. - XXXX<br> Condition upheld. Borrower purchased property XXXX. Initial 1003 is dated XXXX. XXXX. Borrower received $XXXX at closing. Appraisal does not state any improvements were made. Loan did not meet Delayed Financing or Cash-Out guidelines at origination. Provide exception form or evidence of the contrary. - XXXX | High FICO over program requires | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6235862 | 3 of 6 | XXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. The audited HLTV of 111.31% exceeds the guideline maximum of 65%. There is an exception approval in the file allowing up to 80% CLTV; however, the CLTV is 111.31% due to using the original purchase price from less than 12 months prior to the subject transaction, per the guidelines. <br>|  | Document Uploaded. attached exception. - XXXX <br> Document Uploaded. See image. Delay financing 6 month period is from the previous closing day to current loan's closing date not application start date. - XXXX <br> Condition upheld. Borrower purchased property XXXX. Initial 1003 is dated XXXX. XXXX. Borrower received $XXXX at closing. Appraisal does not state any improvements were made. Loan did not meet Delayed Financing or Cash-Out guidelines at origination. Provide exception form or evidence of the contrary. - XXXX <br> The loan closed over 6 months of original transaction date, so the loan is no longer in the delayed financing category. Use appraisal value to calculate the LTV. - XXXX | Received exception to waive - XXXX<br> Condition upheld: <br>Per XXXX Mortgage Guidelines dated XXXX. Section Cash-Out Limit it states: Cash-out seasoning of 6 months or less is allowed with the following restriction: Delayed financing, borrower acquired the property through an inheritance, or was legally award the property through divorce, separation or dissolution of domestic partnership. Provide evidence this took place. <br>Per XXXX Mortgage Guidelines dated XXXX. Section Delayed Financing it states: The original transaction was an arm's-length transaction. Settlement statement from purchase confirms no mortgage financing used to acquire subject except for instances in which the borrower has obtained a short term and/or hard money type loan which is being paid through proceeds. A copy of the note is required to verify the terms. Source of funds used for purchase are documented. The New loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees and points on the new mortgage loan. Delayed Financing loans are considered cash out refinances for eligibility purposes. Provide evidence this was followed. - XXXX<br> Condition upheld. Borrower purchased property XXXX. Initial 1003 is dated XXXX. XXXX days. Borrower received $XXXX at closing. Appraisal does not state any improvements were made. Loan did not meet Delayed Financing or Cash-Out guidelines at origination. Provide exception form or evidence of the contrary. - XXXX | High FICO over program requires | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6235863 | 4 of 6 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The audited LTV of 111.31% exceeds the guideline maximum of 65%. There is an exception approval in the file allowing up to 80% CLTV; however, the CLTV is 111.31% due to using the original purchase price from less than 12 months prior to the subject transaction, per the guidelines. <br>|  | Document Uploaded. attached exception. - XXXX <br>Condition upheld: <br>Per XXXX Mortgage Guidelines dated XXXX. Section Cash-Out Limit it states: Cash-out seasoning of 6 months or less is allowed with the following restriction: Delayed financing, borrower acquired the property through an inheritance, or was legally award the property through divorce, separation or dissolution of domestic partnership. Provide evidence this took place. <br>Per XXXX Mortgage Guidelines dated XXXX. Section Delayed Financing it states: The original transaction was an arm's-length transaction. Settlement statement from purchase confirms no mortgage financing used to acquire subject except for instances in which the borrower has obtained a short term and/or hard money type loan which is being paid through proceeds. A copy of the note is required to verify the terms. Source of funds used for purchase are documented. The New loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees and points on the new mortgage loan. Delayed Financing loans are considered cash out refinances for eligibility purposes. Provide evidence this was followed. <br> - XXXX <br>Document Uploaded. See image. Delay financing 6 month period is from the previous closing day to current loan's closing date not application start date. - XXXX <br>The loan closed over 6 months of original transaction date, so the loan is no longer in the delayed financing category. Use appraisal value to calculate the LTV. - XXXX<br>| Received exception to waive - XXXX<br> Condition upheld: <br>Per XXXX Mortgage Guidelines dated XXXX. Section Cash-Out Limit it states: Cash-out seasoning of 6 months or less is allowed with the following restriction: Delayed financing, borrower acquired the property through an inheritance, or was legally award the property through divorce, separation or dissolution of domestic partnership. Provide evidence this took place. <br>Per XXXX Mortgage Guidelines dated XXXX. Section Delayed Financing it states: The original transaction was an arm's-length transaction. Settlement statement from purchase confirms no mortgage financing used to acquire subject except for instances in which the borrower has obtained a short term and/or hard money type loan which is being paid through proceeds. A copy of the note is required to verify the terms. Source of funds used for purchase are documented. The New loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees and points on the new mortgage loan. Delayed Financing loans are considered cash out refinances for eligibility purposes. Provide evidence this was followed. <br> - XXXX<br> Condition upheld. Borrower purchased property XXXX. Initial 1003 is dated XXXX. XXXX. Borrower received $XXXX at closing. Appraisal does not state any improvements were made. Loan did not meet Delayed Financing or Cash-Out guidelines at origination. Provide exception form or evidence of the contrary. - XXXX | High FICO over XXXXram requires | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6235874 | 5 of 6 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6240299 | 6 of 6 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6389724 | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6389733 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6389740 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6634321 | 1 of 5 | XXXX | Property | Condo - Warrantability | Condominium project is not warrantable, or documentation not provided to determine warrantability Per guidelines-Eligible: Single family, PUD, Warrant Condo and Non-Warrantable Condo, 2-4 units residential and 1 unit property with ADU. Title ownership may be a fee simple or leasehold (meeting XXXX requirements, leasehold is not eligible for condo). Program allows for Non-Warrantable condo, condo project did not meet XXXX guide for investment purpose use. A formal exception is in file. <br>|  |  |  | Compensating factors-Borrowers FICO higher than 740 and at least 20 points higher than guideline minimum. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350118977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6634445 | 2 of 5 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. Non-warrantable condo max 75% LTV. Final LTV 77.19%. A formal exception is in the file. <br>|  |  |  | Fico higher than 740 and at least 20 points higher than guideline minimum (680). Reserves higher than minimum required (3 months) | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350118977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6634446 | 3 of 5 | XXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. Non-warrantable condo max 75% LTV. Final LTV 77.19%. A formal exception is in the file. <br>|  |  |  | Fico higher than 740 and at least 20 points higher than guideline minimum (680). Reserves higher than minimum required (3 months). | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350118977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6634447 | 4 of 5 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Non-warrantable condo max 75% LTV. Final LTV 77.19%. A formal exception is in the file. <br>|  |  |  | Fico higher than 740 and at least 20 points higher than guideline minimum (680). Reserves higher than minimum required (3 months). | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350118977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6634494 | 5 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350119011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6485682 | 1 of 5 | XXXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO is less than guideline FICO. The borrower's credit score of 652 does not meet the minimum guideline requirement of 660. There is an exception approval in the file. <br>|  |  |  | LTV 30%<br> 20+ months reserves counting cash out<br> DSCR 1.8<br> 4-unit property | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6485793 | 2 of 5 | XXXX | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. Unable to locate a 3rd party fraud review product in the loan file. <br>|  | fraud attatched - XXXX<br>| Fraud report received. Condition resolved. - XXXX<br>Third party fraud report is provided - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6485885 | 3 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The originator used the monthly lease amounts listed on the 1025 without presenting the actual leases, there is an exception approval in the file to allow this. <br>|  |  |  | 30% LTV<br> 20+ months reserves counting cash out<br> DSCR 1.8<br> 4-unit property | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6485888 | 4 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6485891 | 5 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6340519 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6340639 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6340743 | 3 of 3 | XXXX | Credit | Hazard Insurance - Other Insurance Missing | The policy verifying other property insurance is missing from the loan file. Rent loss is missing from Hazard coverage. <br>|  | Document Uploaded. - XXXX<br>| HOI Policy showing Rent Loss coverage was provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6445288 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350119028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6469059 | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350119028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6530561 | 3 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Waive escrows when less than 12 months reserves verified - A formal exception is in file. <br>|  |  |  | Compensating factors used were More than three years employment and Residual income is at least XXXX.00 monthly. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119018 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6357052 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119018 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6357055 | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119018 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6433392 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6922365 | 1 of 5 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. Per guidelines-0.75 ≤ DSCR < 1 Cash out max LTV 65%. Loan approved with 75.34% LTV. A formal exception is in file. <br>|  |  |  | Compensating factors-Borrower qualifying FICO. Monthly reserves is verified and at least 4 months | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6922366 | 2 of 5 | XXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. Per guidelines-0.75 ≤ DSCR < 1 Cash out max LTV 65%. Loan approved with 75.34% LTV. A formal exception is in file. <br>|  |  |  | Compensating factors-Borrower qualifying FICO. Monthly reserves is verified and at least 4 months | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6922367 | 3 of 5 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Per guidelines-0.75 ≤ DSCR < 1 Cash out max LTV 65%. Loan approved with 75.34% LTV. A formal exception is in file. <br>|  |  |  | Compensating factors-Borrower qualifying FICO. Monthly reserves is verified and at least 4 months | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6922416 | 4 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350119042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6922434 | 5 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6359307 | 1 of 3 | XXXX | Compliance | Loan Originator XXXX Status is Unknown | Loan Originator XXXX status is unknown. Unable to locate the originator on the XXXX consumer access website. <br>|  | License not needed for business purpose loans in XXXX. - XXXX | XXXX, XXXX license is not required in XXXX for business purpose loans - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6359751 | 2 of 3 | XXXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO is less than guideline FICO. The borrower's credit score of 680 does not meet the minimum guideline requirement of 700. There is an exception approval in the file, for No lease Agreement, No Rental Receipts and 680 credit score <br>|  |  |  | 3 months reserves greater than program requirement | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6359782 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118976 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6687291 | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118976 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6687295 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118976 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6687303 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118968 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6348671 | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118968 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6348675 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118968 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6473174 | 3 of 3 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Desk review report provided does not support the appraised value within 10%. <br>|  | Document Uploaded. XXXX report was provided. See attached again. - XXXX<br>| Received AVM supporting value - XXXX<br>|  | XXXX | Acknowledged | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6429117 | 1 of 4 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for XXXX St XXXX XXXX, per the final 1003 that is a mortgage on the property from XXXX. Mortgage is not showing on the credit report. Lender to verify if borrower is in title to the property <br>|  | Document Uploaded. attached is explanation and judgment docs. This was a seller financing in which borrower paid seller directly but the seller didn't pay the bank and they went to court on this. - XXXX<br>| LOE provided for lawsuit with seller. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6429851 | 2 of 4 | XXXX | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory chain of title provided. Lender to provide a 36 month chain of title to verify borrower is in title to the property due to foreclosure status on title and borrower purchased through seller financing. <br>|  | Document Uploaded. attached chain of title. - XXXX<br>| Warranty Deed from Developer to Borrower from XXXX was provided. Condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6437498 | 3 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6511577 | 4 of 4 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Originator to provide a 3rd party valuation. Collateral underwriter came back with a score of 4.7. <br>|  | Document Uploaded. attached. - XXXX<br>| CDA supporting value was provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6681007 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6681011 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6681030 | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119027 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6450240 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350119027 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6450257 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350119027 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6537036 | 3 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The borrower is currently living rent free. Per guidelines, the borrower is required to own a primary residence. An exception is located in the loan file. <br>|  |  |  | Credit Score is 20+ points greater than the minimum required (744(700); Reserves exceeded requirement by 2 months or more; LTV/CLTV is greater than 5% or more below the maximum allowed under applicable guidelines 74.34% (GL 80%); owns current investor property since XXXX. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6370024 | 1 of 5 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. The XXXX Submission Summary Report/ CU in the file has a risk score of 2.9. Guidelines require a risk score equal to or under 2.5. Missing another third party appraisal review supporting the subject value within -10% variance. <br>|  | valuation uploaded - XXXX<br>| received desk review supporting value - XXXX<br>Post close AVM resulted in a > -10.17%, which exceeds tolerance. - XXXX<br>|  | XXXX | Acknowledged | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6370200 | 2 of 5 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6383041 | 3 of 5 | XXXX | Compliance | Missing Doc - Escrow Waiver Missing | Escrow Waiver is missing. Document cannot be located in the file <br>|  | uploaded - XXXX<br>| Escrow Waiver provided. Condition resolved. - XXXX<br>Escrow Waiver was provided. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350119012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6406717 | 4 of 5 | XXXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test XXXX | The total amount of the 10% category fees on the last Closing Disclosure (XXXX) has increased by more than 10% over the current baseline value of (XXXX). The total amount of fees in the 10% category cannot exceed (XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Recording fee increased on LE issued 10/15. COC was not issued until XXXX <br>|  | trackign - XXXX <br>refund check uploaded - XXXX<br>| Received PCCD, LOE, copy of XXXX check and proof of mailing. - XXXX<br> Now have PCCD, refund check for $XXXX and LOE to the borrower. Missing proof the check was mailed to the borrower. - XXXX<br> Received PCCD and refund of $XXXX. Will also need the LOE to borrower explaining the refund and proof the docuements were mailed to the borrower in order to cure - XXXX |  | XXXX | Cured | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6406719 | 5 of 5 | XXXX | Compliance | Charges That Cannot Increase Test XXXX | The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State, Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). <br>|  | Document Uploaded. - XXXX <br>Document Uploaded. refund, pcccd, loe - XXXX <br>doc is titled COC's - also emailed ot XXXX - unless you already saw these COC's?<br> - thanks - XXXX <br>coc's uploaded - XXXX<br>| Received complete curative package: LOE, PCCD, copy of check and proof of mailing - XXXX<br> Received PCCD and copy of refund check for $XXXX. Still need LOE to the borrower explaining the refund and proof the package was sent. - XXXX<br> Received a $XXXX refund check. Will need a PCCD, an LOE to the borrower explaining the reason for the refund and mailing lable to prove package was sent to the borrower. - XXXX<br> Received a CIC dated XXXX for increased transfer taxes. This increase is disclosed on CD issued XXXX. The amount the loan increased from $XXXX to $XXXX and CD with increased loan amount was issued XXXX. CD issued XXXX is outside of the 3 day window to disclose increased fees for increased loan amount. A $XXXX cure is required. - XXXX<br> Did not find any new documentation uploaded - XXXX |  | XXXX | Cured | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119030 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6700086 | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119030 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6700088 | 2 of 3 | XXXX | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119030 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6703925 | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6686525 | 1 of 4 | XXXX | Credit | Borrower 1 W2/1099 Less Than 24 Months Provided | Borrower 1 W2/1099 less than 24 months provided. Per guidelines-1099 documentation required for qualifying. Lender qualified using YTD WVOE for borrower 1099 income. A formal exception is in file. <br>|  |  |  | Compensating factors-Borrower FICO higher than 740, and at least 20 points. Housing payment history is 0x30x24 or better. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350118940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6689304 | 2 of 4 | XXXX | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. Lender to provide a clear 3rd party fraud report for all involved parties. <br>|  | Document Uploaded. - XXXX<br>| Fraud Report provided. Condition resolved. - XXXX<br>Third party fraud report is provided - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6689497 | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6691849 | 4 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6437154 | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6539411 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6539524 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6491379 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6491390 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6492913 | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6347269 | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6347272 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350118969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6470162 | 3 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Guidelines states First Time Home Buyer (FTHB) are allowed on an exception basis. First Time Investors are allowed. Exception approval in file for FTHB. <br>|  |  |  | The compensating factor is the borrowers high FICO over program requirement. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350119023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 6393288 | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 6393289 | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350119023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 6393290 | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6686355 | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6686369 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350118939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6694669 | 3 of 3 | XXXX | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-XXXX' are less than XXXX.  |  | Document Uploaded. - XXXX<br>| Exception provided: Requesting exception for 3 months reserves, PITIA reserves do not meet guideline requirements - XXXX<br>| FICO higher than 740, AND at least 20 points higher than guideline minimum<br> LTV less than 70%, AND at least 5% less than guideline maximum<br> Housing payment history is 0x30x24 or better | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350119010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6652469 | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6652474 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350119010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 6862967 | 3 of 3 | XXXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA letter missing from the file. CPA letter is missing per guidelines: 1. Tax Professional must attest that they have audited the business financial statements or reviewed working papers provided by the Borrower. 2.Tax Professional must attest that they are not related to the Borrower or associated with the Borrower's business. <br>|  | Document Uploaded. - XXXX<br>| CPA Letter provided and located in the loan file. Condition resolved. - XXXX<br>Borrower 1 CPA letter provided - XXXX<br>Document Uploaded. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118907 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6498016 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118907 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6498018 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118907 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6541590 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118908 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6497725 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118908 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6497727 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118908 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6538937 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118909 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6497114 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118909 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6497116 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118909 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6541802 | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350118910 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6509855 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118910 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6509863 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118910 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6541951 | 3 of 3 | XXXX | Credit | Cash To Borrower does not meet eligibility requirement(s) | Subject property transferred to XXXX LLC on XXXX, when the subject loan closed XXXX. The loan does not meet Delayed Financing guidelines due to insufficient documentation and loan LTV at 75% exceeds maximum 70% LTV for the Delayed Financing program. In addition, no Operating Agreement was provided to show Guarantor is 100% owner of XXXX Inc., which was the prior subject property vested entity. <br>|  | Document Uploaded. Please see the attached. Loan is not a delayed purchase, XXXX was sole owner of previous entity owner. - XXXX<br>| Received Articles of Incorporation and By Laws of XXXX Inc. from XXXX, and shows Guarantor of subject loan owns 100% of XXXX Inc. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118911 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6357057 | 1 of 3 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Mortgage (VOM) for subject property. <br>|  | Document Uploaded. Please see the attached 12mo pay history, which was sufficient for our program. - XXXX<br>| Received payment history for subject property - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118911 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6357222 | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118911 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6357230 | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6497479 | 1 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6497480 | 2 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6497488 | 3 of 5 | XXXX | Credit | Missing Tax Cert |  |  | Document Uploaded. Please see the attached. - XXXX<br>| Received tax cert - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6497489 | 4 of 5 | XXXX | Credit | Hazard Insurance Policy is Missing | Missing hazard insurance policy. <br>|  | Document Uploaded. Please see the attached. - XXXX<br>| Received hazard insurance - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6539540 | 5 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. No evidence subject property was occupied as of the time of loan origination XXXX; otherwise, or provide 5% LTV exception, due to the following: Guidelines require a 5% reduction in maximum LTV for refinances when the property is vacant at the time of origination. The lease Amendment in file was effective through XXXX, and the Borrower Lease Affidavit provided showed activity through XXXX. The loan was approved at 75% LTV, which is the maximum LTV allowed for a refinance cash out transaction. <br>|  | Document Uploaded. Please see the attached lease amendment and updated lease affidavit. - XXXX<br>| Appraisal and 1007 show subject is Tenant occupied. Lease amendment an lease affidavit were provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118913 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6503248 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118913 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6503259 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118913 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6503283 | 3 of 3 | XXXX | Credit | Hazard Insurance Policy is Missing | Missing hazard insurance policy. <br>|  | Document Uploaded. Please see the attached. - XXXX<br>| Received hazard policy, documentation sufficient - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118914 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6507128 | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118914 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6507139 | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118914 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6550443 | 3 of 3 | XXXX | Credit | Cash To Borrower does not meet eligibility requirement(s) | Subject property transferred to XXXX LLC on XXXX, when the subject loan closed XXXX. The loan does not meet Delayed Financing guidelines due to insufficient documentation and loan LTV at 75% exceeds maximum 70% LTV for the Delayed Financing program. In addition, no Operating Agreement was provided to show Guarantor is 100% owner of XXXX LLC, which was the prior subject property vested entity. <br>|  | Document Uploaded. XXXX OA attached. - XXXX | Operating Agreement was provided. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118915 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5968215 | 1 of 4 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Missing Verification of Mortgage for subject property.<br>|  | Document Uploaded. Please see the attached VOM - XXXX<br>| documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118915 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5968576 | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118915 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5968585 | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350118915 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6174881 | 4 of 4 | XXXX | Compliance | Principal and Interest payment on note does not match loan terms of the note | Missing corrected Note. Promissory Note is shown as $XXXX. The correct P&I is $XXXX  |  | Document Uploaded. Please see the attached note amendment. - XXXX<br>| Received signed and notarized amendment to the note. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |

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## Exhibit 99.33

**Exhibit 99.33**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex99-003.gif)

Client COLT 2026-1 <br> Transaction COLT 2026-1 <br> Date 01/13/2026

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Deal ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| XXXX | XXXX | 4350118999 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118996 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119001 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | XXXX | 4350118995 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119000 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118997 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118991 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118998 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350119003 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118994 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118992 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119002 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350118949 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118945 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118944 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118948 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118952 | XXXX | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350118946 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118951 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 2 | 1 | 4 | 1 | 1 | 1 D A B |
| XXXX | XXXX | 4350118950 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118953 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118947 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118928 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350118943 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118919 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118922 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 4 | 1 | 1 | 1 D A |
| XXXX | XXXX | 4350118924 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118942 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118918 | XXXX | XXXX | XXXX | XXXX | 4 | 2 | 3 | 2 | 4 | 1 | 1 | 1 D B C A |
| XXXX | XXXX | 4350118920 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118923 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118921 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118927 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118926 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | XXXX | 4350118925 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118930 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118929 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118931 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350119035 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118917 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350118916 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350119034 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350119033 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350119036 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350119038 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350119037 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118990 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A |
| XXXX | XXXX | 4350118993 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118935 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118984 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350118975 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118965 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350118974 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350118982 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350118966 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350119015 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350119006 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 A |
| XXXX | XXXX | 4350118956 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350118970 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119029 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| XXXX | XXXX | 4350118980 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350119008 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118938 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118937 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118960 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118963 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350118972 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 C B A |
| XXXX | XXXX | 4350119014 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 2 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | XXXX | 4350119048 | XXXX | XXXX | XXXX | XXXX | 4 | 2 | 4 | 2 | 1 | 1 | 1 | 1 D B A |
| XXXX | XXXX | 4350118934 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| XXXX | XXXX | 4350119013 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350119032 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350119031 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118979 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350119009 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118936 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118985 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350118987 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350118988 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119043 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119039 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119050 | XXXX | XXXX | XXXX | XXXX | 2 | 1 | 2 | 1 | 1 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350118981 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118986 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350119040 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119044 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 2 | 2 B A |
| XXXX | XXXX | 4350119047 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 1 | 1 | 3 | 1 C B A |
| XXXX | XXXX | 4350118989 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119041 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119049 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| XXXX | XXXX | 4350119045 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119007 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 1 | 1 | 2 | 2 C B A |
| XXXX | XXXX | 4350118964 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350118967 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350119005 | XXXX | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 3 | 1 | 3 | 1 D A C |
| XXXX | XXXX | 4350118955 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350118962 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| XXXX | XXXX | 4350118957 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A |
| XXXX | XXXX | 4350118973 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 2 | 2 C B A |
| XXXX | XXXX | 4350118958 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| XXXX | XXXX | 4350118961 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A |
| XXXX | XXXX | 4350119046 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350119019 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350119017 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350119022 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119020 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119021 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118941 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350119016 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118959 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350119025 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118977 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 2 | 2 B A |
| XXXX | XXXX | 4350119011 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350118932 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350119028 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350119018 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119042 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350118954 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350118976 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118968 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A |
| XXXX | XXXX | 4350118971 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | XXXX | 4350118978 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119027 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350119012 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 3 | 2 C B A D |
| XXXX | XXXX | 4350119030 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118940 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350118933 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350119026 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118969 | XXXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | XXXX | 4350119023 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118939 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | XXXX | 4350119010 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118907 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118908 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118909 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | XXXX | 4350118910 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118911 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118912 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118913 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118914 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | XXXX | 4350118915 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |

---

## Exhibit 99.34

**Exhibit 99.34**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 4350118999 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| XXXX | XXXX | 4350118996 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.88 | 74.88 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.1 | 56.1 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| XXXX | XXXX | 4350119000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.4 | 55.4 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.88 | 59.88 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| XXXX | XXXX | 4350118998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.34 | 65.34 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| XXXX | XXXX | 4350119003 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65 | 65 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| XXXX | XXXX | 4350118994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118992 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 | XXXX |
| XXXX | XXXX | 4350118945 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118944 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.18 | 72.18 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 | XXXX |
| XXXX | XXXX | 4350118948 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX |
| XXXX | XXXX | 4350118952 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| XXXX | XXXX | 4350118946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.41 | 53.41 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.9 | XXXX |
| XXXX | XXXX | 4350118951 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 17.14 | 17.14 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.7 | XXXX |
| XXXX | XXXX | 4350118950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118947 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 50 | 50 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX |
| XXXX | XXXX | 4350118928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | 0.0877 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 48 | 48 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.92 | 67.92 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.36 | 64.36 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 66.99 | 66.99 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118920 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| XXXX | XXXX | 4350118923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.37 | 78.37 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 56 | 56 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.8 | XXXX |
| XXXX | XXXX | 4350118929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 44.44 | 44.44 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118931 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.52 | 59.52 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90 | 90 | XXXX | XXXX | 0.0455 | 1004 URAR | XXXX | XXXX |  |  | XXXX | XXXX | 0.0455 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118916 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.69 | 57.69 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 64.92 | 64.92 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0.0038 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0038 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60 | 60 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118993 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.67 | 66.67 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| XXXX | XXXX | 4350118965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | -0.0625 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.8 | XXXX |
| XXXX | XXXX | 4350118974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.89 | 64.89 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 39.13 | 39.13 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119006 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118970 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119029 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 5 | XXXX |
| XXXX | XXXX | 4350118980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.79 | 79.79 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.6 | XXXX |
| XXXX | XXXX | 4350119008 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60 | 60 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| XXXX | XXXX | 4350118938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.18 | 67.18 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| XXXX | XXXX | 4350118937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118960 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60 | 60 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -0.1431 | 86 | 0.14 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 61.54 | 61.54 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118972 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 59.41 | 59.41 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -0.1168 | 82 | 0.18 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| XXXX | XXXX | 4350119048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| XXXX | XXXX | 4350118934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.7 | XXXX |
| XXXX | XXXX | 4350119013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119031 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 50 | 50 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -0.0505 | 92 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 76.14 | 76.14 | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX |  |  | XXXX | XXXX | 0 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| XXXX | XXXX | 4350118987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 50 | 50 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55 | 55 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -0.0149 | 93 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119039 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX |
| XXXX | XXXX | 4350119050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 58.33 | 58.33 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| XXXX | XXXX | 4350118986 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119040 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 77.71 | 77.71 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118989 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 23.35 | 23.35 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119041 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55 | 55 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.3 | XXXX |
| XXXX | XXXX | 4350119045 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | 0.034 | 87 | 0.13 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 36.84 | 36.84 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118967 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.33 | 76.67 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | 0 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 69.32 | 69.32 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65 | 65 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible | 1 | XXXX |
| XXXX | XXXX | 4350118973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 58.27 | 58.27 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -0.0481 | 89 | 0.11 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 59 | 59 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | 0 | XXXX | 1004 URAR | XXXX | XXXX | 0.0437 | 86 | 0.14 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.56 | 51.56 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119022 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| XXXX | XXXX | 4350119021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.56 | 67.56 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.65 | 77.65 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77 | 77 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| XXXX | XXXX | 4350118959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.7 | XXXX |
| XXXX | XXXX | 4350119025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 46.15 | 46.15 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 77.19 | 77.19 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 30.3 | 30.3 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | INDETERMINATE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX |
| XXXX | XXXX | 4350118932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60 | 60 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.48 | 70.48 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| XXXX | XXXX | 4350119018 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.98 | 64.98 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| XXXX | XXXX | 4350119042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.34 | 75.34 | XXXX | XXXX | -0.0473 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -0.0473 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX |
| XXXX | XXXX | 4350118976 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118968 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 62.6 | 62.6 | XXXX | XXXX | -0.1146 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -0.0397 | 89 | 0.11 | XXXX | XXXX | XXXX | XXXX | XXXX | -0.1146 | XXXX | HIGH RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.53 | 53.53 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119027 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.32 | 74.32 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.72 | 51.72 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX | -0.1017 | AVM | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -0.1017 | 94 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.9 | XXXX |
| XXXX | XXXX | 4350119030 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.9 | XXXX |
| XXXX | XXXX | 4350118940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 71.88 | 71.88 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 60 | 60 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350119023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.09 | 65.09 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.7 | XXXX |
| XXXX | XXXX | 4350118939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.41 | 59.41 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350119010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX | XXXX | 4350118907 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118908 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118909 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.05 | 61.05 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118910 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118911 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.94 | 72.94 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118913 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118914 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX | XXXX | 4350118915 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |

---

## Exhibit 99.35

**Exhibit 99.35**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 4350118943 | XXXX | XXXX | All Borrower Total Income | XXXX | XXXX | DSCR |
| XXXX | XXXX | 4350118942 | XXXX | XXXX | All Borrower Total Income | XXXX | XXXX | DSCR loan - No income used in loan qualification |
| XXXX | XXXX | 4350118980 | XXXX | XXXX | B1 Individual Tax Identification Number (ITIN)? | N/A | No | Verified via source documents |
| XXXX | XXXX | 4350118963 | XXXX | XXXX | B1 Individual Tax Identification Number (ITIN)? | N/A | No | Verified via source documents |
| XXXX | XXXX | 4350119039 | XXXX | XXXX | B1 Individual Tax Identification Number (ITIN)? | N/A | No | Verified via source documents |
| XXXX | XXXX | 4350119047 | XXXX | XXXX | B1 Individual Tax Identification Number (ITIN)? | N/A | No | Verified via source documents |
| XXXX | XXXX | 4350118957 | XXXX | XXXX | B1 Individual Tax Identification Number (ITIN)? | N/A | No | Verified via source documents |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | B1 Individual Tax Identification Number (ITIN)? | N/A | No | Verified via source documents |
| XXXX | XXXX | 4350119016 | XXXX | XXXX | B1 Individual Tax Identification Number (ITIN)? | N/A | No | Verified via source documents |
| XXXX | XXXX | 4350118959 | XXXX | XXXX | B1 Individual Tax Identification Number (ITIN)? | N/A | No | Verified via source documents |
| XXXX | XXXX | 4350119011 | XXXX | XXXX | B1 Individual Tax Identification Number (ITIN)? | N/A | No | Verified via source documents |
| XXXX | XXXX | 4350118954 | XXXX | XXXX | B1 Individual Tax Identification Number (ITIN)? | N/A | No | Verified via source documents |
| XXXX | XXXX | 4350119026 | XXXX | XXXX | B1 Individual Tax Identification Number (ITIN)? | N/A | No | Verified via source documents |
| XXXX | XXXX | 4350118939 | XXXX | XXXX | B3 Verified Citizenship Designation | Permanent Resident Alien | Permanent Non-US Citizen | Confirm that B3 is permanent Resident alien |
| XXXX | XXXX | 4350118963 | XXXX | XXXX | Borrower 1 First Name | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350119047 | XXXX | XXXX | Borrower 1 First Name | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350118989 | XXXX | XXXX | Borrower 1 First Name | XXXX | XXXX | Per Identification in file |
| XXXX | XXXX | 4350118917 | XXXX | XXXX | Borrower 1 FTHB | true | N | Borrower is a first time homebuyer |
| XXXX | XXXX | 4350118915 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350119047 | XXXX | XXXX | Borrower 2 First Name | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350118998 | XXXX | XXXX | Calculated DSCR | 1.209 | 1.438291188 | Per the source documents |
| XXXX | XXXX | 4350118928 | XXXX | XXXX | Calculated DSCR | 0 | NA | Verified via source documents |
| XXXX | XXXX | 4350118926 | XXXX | XXXX | Calculated DSCR | 0.773 | 0.52 | Per 1007 market rents, 1008,. and final Lender 1003 addendum |
| XXXX | XXXX | 4350118929 | XXXX | XXXX | Calculated DSCR | 1.174 | 1.1 | Based on actual property taxes the DSCR is slightly higher |
| XXXX | XXXX | 4350119038 | XXXX | XXXX | Calculated DSCR | 1.011 | 0.962 | Per Preliminary Loan Summary. |
| XXXX | XXXX | 4350118907 | XXXX | XXXX | Calculated DSCR | 1.523 | 1.724 | Within tolerance, originator calculator not provided |
| XXXX | XXXX | 4350118909 | XXXX | XXXX | Calculated DSCR | 1.434 | 1.638 | Originator worksheet not provided, but meets minimum guideline requirement |
| XXXX | XXXX | 4350118910 | XXXX | XXXX | Calculated DSCR | 1.385 | 1.511 | Originator worksheet not provided, meets minimum DSCR score guideline requirement |
| XXXX | XXXX | 4350118912 | XXXX | XXXX | Calculated DSCR | 1.434 | 1.789 | Missing evidence of insurance and property tax certification to confirm subject PITIA |
| XXXX | XXXX | 4350118914 | XXXX | XXXX | Calculated DSCR | 1.273 | 1.682 | Originator's worksheet not provided, DSCR score meets minimum guideline requirement |
| XXXX | XXXX | 4350118965 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | The totals payoffs equal $XXXX and the cash out is $XXXX which equals $XXXX |
| XXXX | XXXX | 4350118966 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Cash to Close to borrower is $XXXX and 1st lien payoff is $XXXX. This totals $XXXX |
| XXXX | XXXX | 4350118960 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Cash to borrower per business purpose loan settlement is $XXXX |
| XXXX | XXXX | 4350118963 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350118972 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Total Cash to borrower is $XXXX per settlement statement |
| XXXX | XXXX | 4350118967 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Per Business Purpose Settlement Statement |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Per Settlement Statement |
| XXXX | XXXX | 4350119005 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Per final Closing Disclosure and addendum |
| XXXX | XXXX | 4350118955 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | actual cash to borrower is $XXXX |
| XXXX | XXXX | 4350118957 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350118973 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | No debt paid at closing. |
| XXXX | XXXX | 4350118941 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Per the source documents |
| XXXX | XXXX | 4350118959 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350119011 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350118932 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified by Closing disclosure |
| XXXX | XXXX | 4350118954 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350119012 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Per final Closing Disclosure |
| XXXX | XXXX | 4350119026 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350119023 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Final CD listed cash out as $XXXX |
| XXXX | XXXX | 4350118952 | XXXX | XXXX | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified via source documents |
| XXXX | XXXX | 4350118919 | XXXX | XXXX | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified via source documents |
| XXXX | XXXX | 4350118922 | XXXX | XXXX | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Investment transactions are not subject to QM/ATR requirements |
| XXXX | XXXX | 4350118926 | XXXX | XXXX | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Investment transactions are not subject to QM/ATR requirements |
| XXXX | XXXX | 4350118925 | XXXX | XXXX | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Investment DSCR purchase = exempt |
| XXXX | XXXX | 4350118930 | XXXX | XXXX | Final Reviewed QM Status | ATR/QM: Not Applicable | Non-QM: Lender documented all ATR UW factors | QM Status is exempt |
| XXXX | XXXX | 4350118980 | XXXX | XXXX | Interest Only Flag | No | false | Verified via source documents |
| XXXX | XXXX | 4350118963 | XXXX | XXXX | Interest Only Flag | No | false | Verified via source documents |
| XXXX | XXXX | 4350119039 | XXXX | XXXX | Interest Only Flag | No | false | Verified via source documents |
| XXXX | XXXX | 4350119047 | XXXX | XXXX | Interest Only Flag | No | false | Verified via source documents |
| XXXX | XXXX | 4350118957 | XXXX | XXXX | Interest Only Flag | No | false | Verified via source documents |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | Interest Only Flag | No | false | Verified via source documents |
| XXXX | XXXX | 4350119016 | XXXX | XXXX | Interest Only Flag | No | false | Verified via source documents |
| XXXX | XXXX | 4350118959 | XXXX | XXXX | Interest Only Flag | No | false | Verified via source documents |
| XXXX | XXXX | 4350119011 | XXXX | XXXX | Interest Only Flag | No | false | Verified via source documents |
| XXXX | XXXX | 4350119026 | XXXX | XXXX | Interest Only Flag | No | false | Verified via source documents |
| XXXX | XXXX | 4350119037 | XXXX | XXXX | Interest Only Term | 120 | 10 Year | Verified via source documents |
| XXXX | XXXX | 4350119003 | XXXX | XXXX | Interest Rate | 7.375 | 0.0738 | The audit finds that, based on the subject lien Note, the interest rate is 7.375%. |
| XXXX | XXXX | 4350118935 | XXXX | XXXX | Interest Rate | 10.125 | 10 | Rate on note page matches 10.125 |
| XXXX | XXXX | 4350118984 | XXXX | XXXX | Interest Rate | 6.75 | 6.625 | Per Note |
| XXXX | XXXX | 4350118937 | XXXX | XXXX | Interest Rate | 8 | 7.5 | Per the note; & final LOCK; tape is the initial LOCK rate. |
| XXXX | XXXX | 4350119016 | XXXX | XXXX | Interest Rate | 8.125 | 8.375 | Verified via source documents |
| XXXX | XXXX | 4350119026 | XXXX | XXXX | Interest Rate | 7.375 | 7.875 | Verified via source documents |
| XXXX | XXXX | 4350118984 | XXXX | XXXX | Loan Type | DSCR | Conventional | Per Exception Approval, product Investor DSCR |
| XXXX | XXXX | 4350118965 | XXXX | XXXX | Loan Type | DSCR | Conventional | Loan is a DSCR |
| XXXX | XXXX | 4350118974 | XXXX | XXXX | Loan Type | DSCR | Conventional | Subject is DSCR. |
| XXXX | XXXX | 4350118966 | XXXX | XXXX | Loan Type | DSCR | Conventional | Loan is a DSCR |
| XXXX | XXXX | 4350118970 | XXXX | XXXX | Loan Type | DSCR | Conventional | Per Underwriting Conditional Approval |
| XXXX | XXXX | 4350118980 | XXXX | XXXX | Loan Type | DSCR | Conventional | Verified via source documents |
| XXXX | XXXX | 4350118960 | XXXX | XXXX | Loan Type | DSCR | Conventional | Loan is a DSCR |
| XXXX | XXXX | 4350118963 | XXXX | XXXX | Loan Type | DSCR | Conventional | Verified via source documents |
| XXXX | XXXX | 4350118972 | XXXX | XXXX | Loan Type | DSCR | Conventional | Loan is a DSCR |
| XXXX | XXXX | 4350119039 | XXXX | XXXX | Loan Type | DSCR | Conventional | Verified via source documents |
| XXXX | XXXX | 4350118986 | XXXX | XXXX | Loan Type | DSCR | Conventional | Per Loan Approval |
| XXXX | XXXX | 4350119047 | XXXX | XXXX | Loan Type | DSCR | Conventional | Verified via source documents |
| XXXX | XXXX | 4350118989 | XXXX | XXXX | Loan Type | DSCR | Conventional | Loan was done as a DSCR loan. |
| XXXX | XXXX | 4350118967 | XXXX | XXXX | Loan Type | DSCR | Conventional | Per Loan Approval |
| XXXX | XXXX | 4350118957 | XXXX | XXXX | Loan Type | DSCR | Conventional | Verified via source documents |
| XXXX | XXXX | 4350118961 | XXXX | XXXX | Loan Type | DSCR | Conventional | LOAN APPROVAL INDICATES THIS IS A DSCR FILE |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | Loan Type | DSCR | Conventional | Verified via source documents |
| XXXX | XXXX | 4350119025 | XXXX | XXXX | Loan Type | DSCR | Conventional | DSCR per loan approval, program |
| XXXX | XXXX | 4350118932 | XXXX | XXXX | Loan Type | DSCR | Conventional | DSCR |
| XXXX | XXXX | 4350119027 | XXXX | XXXX | Loan Type | DSCR | Conventional | DSCR loan |
| XXXX | XXXX | 4350118933 | XXXX | XXXX | Loan Type | DSCR | Conventional | loan is DSCR |
| XXXX | XXXX | 4350119023 | XXXX | XXXX | Loan Type | DSCR | Conventional | Loan is a DSCR |
| XXXX | XXXX | 4350118948 | XXXX | XXXX | MIN No | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350118943 | XXXX | XXXX | Monthly Property Tax Amount | XXXX | XXXX | Verified with documents provided |
| XXXX | XXXX | 4350118951 | XXXX | XXXX | Note Date | XXXX | XXXX | Audit used Note dated XXXX |
| XXXX | XXXX | 4350118948 | XXXX | XXXX | Occupancy | Primary Residence | PrimaryResidence | Verified via source documents |
| XXXX | XXXX | 4350119011 | XXXX | XXXX | Originator DSCR | 1.76 | 1.8 | Verified via source documents |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | Other Lien Type | Unknown | Closed End | Missing subordinate lien Note to confirm lien type |
| XXXX | XXXX | 4350118930 | XXXX | XXXX | Prepayment Penalty Flag | Y | 5 | Prepayment rider in file |
| XXXX | XXXX | 4350118984 | XXXX | XXXX | Prepayment Penalty Total Term | 12 | 36 | Per Note |
| XXXX | XXXX | 4350118916 | XXXX | XXXX | Primary Appraised Property Value | XXXX | XXXX | verified with appraisal |
| XXXX | XXXX | 4350119038 | XXXX | XXXX | Property Address | XXXX | XXXX | Per Note |
| XXXX | XXXX | 4350118984 | XXXX | XXXX | Property Address | XXXX | XXXX | Per 1004 appraisal report |
| XXXX | XXXX | 4350118965 | XXXX | XXXX | Property Address | XXXX | XXXX | Tape did not include unit # |
| XXXX | XXXX | 4350118963 | XXXX | XXXX | Property Address | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350118972 | XXXX | XXXX | Property Address | XXXX | XXXX | Address on the tape did not include the unit # |
| XXXX | XXXX | 4350119005 | XXXX | XXXX | Property Address | XXXX | XXXX | Per Note |
| XXXX | XXXX | 4350118957 | XXXX | XXXX | Property Address | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | Property Address | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350119011 | XXXX | XXXX | Property Address | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350119023 | XXXX | XXXX | Property Address | XXXX | XXXX | Property is a townhouse. Tape did not include the unit # |
| XXXX | XXXX | 4350118948 | XXXX | XXXX | Property Type | Two to Four Unit | 2-4 Unit | Verified via source documents |
| XXXX | XXXX | 4350118993 | XXXX | XXXX | Property Type | Two to Four Unit | Single Family Detached | Verified with appraisal |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | Property Type | PUD | Single Family Detached | Per1004 appraisal report |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | Property Type | PUD | Single Family Detached | Verified via source documents |
| XXXX | XXXX | 4350119020 | XXXX | XXXX | Property Type | Single Family Detached | PUD | verified with appraisal |
| XXXX | XXXX | 4350118954 | XXXX | XXXX | Property Type | Two to Four Unit | Single Family Detached | Verified via source documents |
| XXXX | XXXX | 4350119033 | XXXX | XXXX | Property Zip Code | XXXX | XXXX | verfied with docs in file |
| XXXX | XXXX | 4350119036 | XXXX | XXXX | Property Zip Code | XXXX | XXXX | Verified per Note |
| XXXX | XXXX | 4350118993 | XXXX | XXXX | Property Zip Code | XXXX | XXXX | formatting |
| XXXX | XXXX | 4350118922 | XXXX | XXXX | Qualifying CLTV | 64.36 | 65.01 | Per Note and appraisal report: $XXXX = 64.36% CLTV |
| XXXX | XXXX | 4350118916 | XXXX | XXXX | Qualifying CLTV | 57.69 | 56.25 | loan was approved with value of XXXX, but appraised value is XXXX |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | Qualifying CLTV | 76.67 | 66.67 | Missing proof of current balance of subordinate lien. |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | Qualifying CLTV | 51.56 | 52.34 | Verified via source documents |
| XXXX | XXXX | 4350119020 | XXXX | XXXX | Qualifying CLTV | 75 | 0 | Verified with approval |
| XXXX | XXXX | 4350119042 | XXXX | XXXX | Qualifying CLTV | 75.34 | 84.94 | final 1008 has 80% |
| XXXX | XXXX | 4350119027 | XXXX | XXXX | Qualifying CLTV | 74.32 | 74.34 | verified with approval |
| XXXX | XXXX | 4350119013 | XXXX | XXXX | Qualifying FICO | 761 | 793 | Fico scores are 761 and 818 on the most current credit report. |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | Qualifying FICO | 734 | 736 | Per XXXX credit report |
| XXXX | XXXX | 4350119042 | XXXX | XXXX | Qualifying FICO | 738 | 728 | scores 764/707/738 |
| XXXX | XXXX | 4350118916 | XXXX | XXXX | Qualifying LTV | 57.69 | 56.25 | loan was approved with value of XXXX, but appraised value is XXXX |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | Qualifying LTV | 51.56 | 52.34 | Verified via source documents |
| XXXX | XXXX | 4350119042 | XXXX | XXXX | Qualifying LTV | 75.34 | 84.94 | final 1008 has 80% |
| XXXX | XXXX | 4350119027 | XXXX | XXXX | Qualifying LTV | 74.32 | 74.34 | verified with approval |
| XXXX | XXXX | 4350118948 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 46.85 | 46.917 | Verified via source documents |
| XXXX | XXXX | 4350118952 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 44.35 | 44.358 | Within guidelines |
| XXXX | XXXX | 4350118950 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 35.02 | 35.214 | Within guidelines |
| XXXX | XXXX | 4350118953 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 39.3 | 39.757 | Within guidelines |
| XXXX | XXXX | 4350118928 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 23.48 | 23.43 | Verified via source documents |
| XXXX | XXXX | 4350118919 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 12.81 | 10.78 | Audit bank statement income is less than qualifying income. Still within guidelines. |
| XXXX | XXXX | 4350118930 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 0 | NA | This is a DSCR loan |
| XXXX | XXXX | 4350119007 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 47.74 | 50 | Based on file documentation and final 1008. |
| XXXX | XXXX | 4350118983 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 24.93 | 42 | Missing proof of subordinate lien payment terms. |
| XXXX | XXXX | 4350119020 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 40.85 | 40 | verified with approval |
| XXXX | XXXX | 4350118941 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 24.98 | 23.83 | Per the source documents |
| XXXX | XXXX | 4350119016 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 22.12 | 23.41 | Verified via source documents |
| XXXX | XXXX | 4350118959 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 37.68 | 37 | Verified via source documents |
| XXXX | XXXX | 4350118954 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 0 |  | Verified via source documents |
| XXXX | XXXX | 4350119026 | XXXX | XXXX | Qualifying Total Debt Income Ratio | 4.18 | 4.13 | Verified via source documents |
| XXXX | XXXX | 4350118965 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 20.14 | 9 | using cash out towards reserves |
| XXXX | XXXX | 4350118974 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 10.61 | 9 | Validated using assets provided. |
| XXXX | XXXX | 4350118966 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 25.9 | 9 | Using cash out funds for qualifying reserves |
| XXXX | XXXX | 4350118970 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 7.17 | 9 | Per bank statements provided |
| XXXX | XXXX | 4350118980 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 33.4 | 9 | Verified via source documents |
| XXXX | XXXX | 4350118963 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 121.99 | 9 | Verified via source documents |
| XXXX | XXXX | 4350118972 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 124.22 | 9 | 124.22 months of reserves verified |
| XXXX | XXXX | 4350118934 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 72.63 | 12 | Asset documentation in the file supports 72.63 months of reserves. Lender guidelines require a minimum of 6 months of reserves. |
| XXXX | XXXX | 4350119031 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 13.22 | 6 | Verified via source documents |
| XXXX | XXXX | 4350118987 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 5.13 | 9 | Per bank statements provided. Guidelines require a minimum of 3 months reserves |
| XXXX | XXXX | 4350119039 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 9.3 | 9 | Verified via source documents |
| XXXX | XXXX | 4350119047 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 73.82 | 9 | Verified via source documents |
| XXXX | XXXX | 4350119007 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 11.29 | 12 | The verified reserves are 5.09 which is less than the 12 months reported on the tape. See finding |
| XXXX | XXXX | 4350118967 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 12.91 | 9 | Per bank statement and final Settlement Statement provided, as Guarantor received proceeds through transaction |
| XXXX | XXXX | 4350119005 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 6.96 | 12 | Per file documentation - No asset documentation was provided |
| XXXX | XXXX | 4350118957 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 10.56 | 9 | Verified via source documents |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 23.69 | 30 | Verified via source documents |
| XXXX | XXXX | 4350119020 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 10.08 | 12 | verified with assets in file |
| XXXX | XXXX | 4350118941 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 58.92 | 12 | Per the IRA |
| XXXX | XXXX | 4350119016 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 6.73 | 12 | Verified via source documents |
| XXXX | XXXX | 4350118959 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 26.02 | 9 | Verified via source documents |
| XXXX | XXXX | 4350119011 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 38.14 | 20 | Verified via source documents |
| XXXX | XXXX | 4350118954 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 26.17 | 9 | Verified via source documents |
| XXXX | XXXX | 4350119027 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 5.96 | 12 | verified with assets in file. |
| XXXX | XXXX | 4350119012 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 54.92 | 10 | Per final Closing Disclosure proceeds to borrower |
| XXXX | XXXX | 4350119026 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 99.28 | 12 | Verified via source documents |
| XXXX | XXXX | 4350119023 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 89.06 | 12 | Cash Out is being used towards reserves. Total qualifying reserves # of months is 89.06 |
| XXXX | XXXX | 4350118939 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 1.28 | 6 | verified with assets in file |
| XXXX | XXXX | 4350118948 | XXXX | XXXX | Refinance Type | Cash Out - Other | CashOutOther | Verified via source documents |
| XXXX | XXXX | 4350119024 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350119027 | XXXX | XXXX | Sales Price | XXXX | XXXX | verified with final CD |
| XXXX | XXXX | 4350118943 | XXXX | XXXX | Term | 360 | 30 | Verified with documents provided |
| XXXX | XXXX | 4350118928 | XXXX | XXXX | Underwriting Guideline Name | XXXX | Loan Purchase Eligibility Guidelines | Verified via source documents |
| XXXX | XXXX | 4350118930 | XXXX | XXXX | Underwriting Guideline Name | XXXX | Loan Purchase Eligibility Guidelines | Underwriting Guidelines Investsmart |
| XXXX | XXXX | 4350118948 | XXXX | XXXX | Underwriting Guideline Product Name | XXXX | Alt Doc | Verified via source documents |
| XXXX | XXXX | 4350118948 | XXXX | XXXX | Underwriting Guideline Version | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350118949 | XXXX | XXXX | Underwriting Guideline Version Date | XXXX | XXXX | verified with guidelines and data tape |
| XXXX | XXXX | 4350118948 | XXXX | XXXX | Underwriting Guideline Version Date | XXXX | XXXX | Verified via source documents |
| XXXX | XXXX | 4350118951 | XXXX | XXXX | Underwriting Guideline Version Date | XXXX | XXXX | Underwriting Guideline Version Date used is XXXX |
| XXXX | XXXX | 4350118953 | XXXX | XXXX | Underwriting Guideline Version Date | XXXX | XXXX | Used most recent guidelines available. |
| XXXX | XXXX | 4350118947 | XXXX | XXXX | Underwriting Guideline Version Date | XXXX | XXXX | Per the source documents |
| XXXX | XXXX | 4350118999 | XXXX | XXXX | Verified Doc Type | Debt Service Coverage Ratio |  | Verified |
| XXXX | XXXX | 4350119000 | XXXX | XXXX | Verified Doc Type | Debt Service Coverage Ratio |  | Verified |
| XXXX | XXXX | 4350119003 | XXXX | XXXX | Verified Doc Type | 1099 Verified | Lone Star Funds | The audit finds that the verified doc type is 1099. |
| XXXX | XXXX | 4350119002 | XXXX | XXXX | Verified Doc Type | Debt Service Coverage Ratio |  | Verified |
| XXXX | XXXX | 4350118928 | XXXX | XXXX | Verified Doc Type | 1YR Business P&L | Business P&L | Verified via source documents |
| XXXX | XXXX | 4350118930 | XXXX | XXXX | Verified Doc Type | Debt Service Coverage Ratio | Other | This is a DSCR loan |
| XXXX | XXXX | 4350118993 | XXXX | XXXX | Verified Doc Type | Debt Service Coverage Ratio |  | Verified |

---

## Exhibit 99.36

**Exhibit 99.36**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex9936001.jpg)

COLT 2026-1<br>Lone Star Residential Acquisitions, LLC. <br>

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**January 14, 2026**

**Performed by**

**Opus Capital Markets Consultants, LLC**

The report summarizes the results of a due diligence review performed on a pool of 74 loans, of which were purchased by Lone Star Residential Acquisitions, LLC. ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review of all loans.

As detailed herein, the pool contains nineteen (19) Non-QM loans and fifty-five (55) ATR/QM Exempt loans, of which forty-seven (47) are DSCR loans and eight (8) are Business Purpose loans. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

<u>EXHIBIT A</u>

**Credit Review**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client.
In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates
the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant
to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan
underwriter at origination to determine compliance with the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline
requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination
to determine compliance with Client provided underwriting guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable
sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine
the appraisal(s) meet the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at

origination and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply
with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**<br>

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs**

● Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

● Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

● Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

● Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

● Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

● Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The "material" <sup>1</sup> disclosure requirements of the federal Truth-in-Lending
Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C.
§ 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to
Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage
Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as
amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, TRID will be reviewed in accordance with the SFA TRID
Grid 4.0, as amended from time to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification
of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties,
verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

<sup>1</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, and if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt
from the rescission requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the
original creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there
was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; iv. Review the required sections of each CD to ensure they were populated in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

2. Section 4 of the Real Estate Settlement Procedures
Act ("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by
the TRID Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time.

3. The disclosure requirements and prohibitions of
Section 50(a)(6), Article XVI of the Texas Constitution;

4. Confirmation that one of the following are in the
loan file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit,
or Notice to Home Loan Applicant;

5. Sections 1411 and 1412 of the Dodd-Frank Wall Street
Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43:
the general Ability to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));
Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the Department of Housing and Urban Development
(24 C.F.R. 201 and 203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified
mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review"
description below;

6. The Loan Originator Compensation and Prohibitions
on Steering provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans,
as implemented by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA
and the Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented
by Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented
by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of
any applicable state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory
lending":

12. Consultant shall confirm that any mortgage property
located in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency
as having special flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant
shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including,
but not limited to a business purpose certification.

14. Documentation. Review of the following documents
for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"),
if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will
be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped
certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the
HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1 is signed by all parties (including closing
agent) or stamped certified by the closing agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be
signed or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of
the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"),
if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered
based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt.
The loan file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance
of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be
considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating
earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation
date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure
if applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set
if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file
indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on
the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are
deemed to be within reasonable limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must
be accompanied by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant
reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R.
1026.43 et seq.) based upon the loan's designation (Safe Harbor QM,

Rebuttable Presumption QM, Exempt). Consultant determines the loan's status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior
to July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable
agency as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in
the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System
output within the file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance with the Ability to Repay (ATR)
but not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews
the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms
(e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold,
(iii) the monthly payment was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under
the QM rule depending on whether the QM was originated under the original general QM definition or the revised general QM definition
effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether
the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated,
to the applicable average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general
QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible
loans only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant
will review the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable
third-party documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets
that the consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using
the introductory or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured
by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood
insurance and certain other costs related to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General
Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment
or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant,
and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the
Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete

and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**Additional Disclosures and Requirements:**

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in
file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to the borrower(s)
within three general business days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered
loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business
days of application

● Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure in file
in the event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure provided within three
general business days of "Application" (Consultant reviews for this disclosure to be provided within three general
business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision
of third party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in
file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided at closing
or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)**

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

● Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

● Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq. .

● Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

● Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

● Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

● City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

● Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

● Kansas Consumer Credit Code

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

● Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

● Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

● Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

● New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

● North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

● Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

● Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

● South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

● Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

● Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

● Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

● Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● Washington House Bill 2770, Mortgage Lending Ownership

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

● Wyoming Credit Code

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common
expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

● Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades** 

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

● Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting

guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades** 

● Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

● Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:**

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check**

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

● No compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex9936002.jpg)

![](ex9936003.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;77.03% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.30% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;83.78% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;95.95% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;13 | &nbsp;&nbsp;82.43% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;9 | &nbsp;&nbsp;87.84% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;8 | &nbsp;&nbsp;89.19% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**74** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were five obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated January 13, 2026.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;52 | &nbsp;&nbsp;70.27% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;29.73% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;69 | &nbsp;&nbsp;93.24% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.76% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;56 | &nbsp;&nbsp;75.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;24.32% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;74 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;49 | &nbsp;&nbsp;66.22% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;25 | &nbsp;&nbsp;33.78% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;69 | &nbsp;&nbsp;93.24% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.76% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;56 | &nbsp;&nbsp;75.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;24.32% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| **Property Grade Summary** | | |
| &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;69 | &nbsp;&nbsp;93.24% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.76% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (74)</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;4350119051 | &nbsp;&nbsp;4350119064 | &nbsp;&nbsp;4350119077 | &nbsp;&nbsp;4350119090 | &nbsp;&nbsp;4350119103 | &nbsp;&nbsp;4350119116 |
| &nbsp;&nbsp;4350119052 | &nbsp;&nbsp;4350119065 | &nbsp;&nbsp;4350119078 | &nbsp;&nbsp;4350119091 | &nbsp;&nbsp;4350119104 | &nbsp;&nbsp;4350119117 |
| &nbsp;&nbsp;4350119053 | &nbsp;&nbsp;4350119066 | &nbsp;&nbsp;4350119079 | &nbsp;&nbsp;4350119092 | &nbsp;&nbsp;4350119105 | &nbsp;&nbsp;4350119118 |
| &nbsp;&nbsp;4350119054 | &nbsp;&nbsp;4350119067 | &nbsp;&nbsp;4350119080 | &nbsp;&nbsp;4350119093 | &nbsp;&nbsp;4350119106 | &nbsp;&nbsp;4350119119 |
| &nbsp;&nbsp;4350119055 | &nbsp;&nbsp;4350119068 | &nbsp;&nbsp;4350119081 | &nbsp;&nbsp;4350119094 | &nbsp;&nbsp;4350119107 | &nbsp;&nbsp;4350119120 |
| &nbsp;&nbsp;4350119056 | &nbsp;&nbsp;4350119069 | &nbsp;&nbsp;4350119082 | &nbsp;&nbsp;4350119095 | &nbsp;&nbsp;4350119108 | &nbsp;&nbsp;4350119121 |
| &nbsp;&nbsp;4350119057 | &nbsp;&nbsp;4350119070 | &nbsp;&nbsp;4350119083 | &nbsp;&nbsp;4350119096 | &nbsp;&nbsp;4350119109 | &nbsp;&nbsp;4350119122 |
| &nbsp;&nbsp;4350119058 | &nbsp;&nbsp;4350119071 | &nbsp;&nbsp;4350119084 | &nbsp;&nbsp;4350119097 | &nbsp;&nbsp;4350119110 | &nbsp;&nbsp;4350119123 |
| &nbsp;&nbsp;4350119059 | &nbsp;&nbsp;4350119072 | &nbsp;&nbsp;4350119085 | &nbsp;&nbsp;4350119098 | &nbsp;&nbsp;4350119111 | &nbsp;&nbsp;4350119124 |
| &nbsp;&nbsp;4350119060 | &nbsp;&nbsp;4350119073 | &nbsp;&nbsp;4350119086 | &nbsp;&nbsp;4350119099 | &nbsp;&nbsp;4350119112 |  |
| &nbsp;&nbsp;4350119061 | &nbsp;&nbsp;4350119074 | &nbsp;&nbsp;4350119087 | &nbsp;&nbsp;4350119100 | &nbsp;&nbsp;4350119113 |  |
| &nbsp;&nbsp;4350119062 | &nbsp;&nbsp;4350119075 | &nbsp;&nbsp;4350119088 | &nbsp;&nbsp;4350119101 | &nbsp;&nbsp;4350119114 |  |
| &nbsp;&nbsp;4350119063 | &nbsp;&nbsp;4350119076 | &nbsp;&nbsp;4350119089 | &nbsp;&nbsp;4350119102 | &nbsp;&nbsp;4350119115 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.37

**Exhibit 99.37**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 4350119060 | XXXX |  |  | XXXX C A B |
| 4350119056 | XXXX |  |  | XXXX A |
| 4350119059 | XXXX |  |  | XXXX D A |
| 4350119053 | XXXX |  |  | XXXX C A B |
| 4350119061 | XXXX |  |  | XXXX C A |
| 4350119057 | XXXX |  |  | XXXX D A |
| 4350119074 | XXXX |  |  | XXXX A |
| 4350119052 | XXXX |  |  | XXXX D B A |
| 4350119058 | XXXX |  |  | XXXX A |
| 4350119069 | XXXX |  |  | XXXX D C A B |
| 4350119055 | XXXX |  |  | XXXX A |
| 4350119051 | XXXX |  |  | XXXX A |
| 4350119065 | XXXX |  |  | XXXX A B |
| 4350119070 | XXXX |  |  | XXXX C A B |
| 4350119054 | XXXX |  |  | XXXX A B |
| 4350119062 | XXXX |  |  | XXXX C A B |
| 4350119066 | XXXX |  |  | XXXX A |
| 4350119063 | XXXX |  |  | XXXX A |
| 4350119064 | XXXX |  |  | XXXX A |
| 4350119072 | XXXX |  |  | XXXX A |
| 4350119068 | XXXX |  |  | XXXX B C A |
| 4350119067 | XXXX |  |  | XXXX A |
| 4350119088 | XXXX |  |  | XXXX A |
| 4350119078 | XXXX |  |  | XXXX D A |
| 4350119071 | XXXX |  |  | XXXX C A B |
| 4350119075 | XXXX |  |  | XXXX A |
| 4350119073 | XXXX |  |  | XXXX A |
| 4350119076 | XXXX |  |  | XXXX C A |
| 4350119080 | XXXX |  |  | XXXX A B |
| 4350119079 | XXXX |  |  | XXXX C A B |
| 4350119084 | XXXX |  |  | XXXX C A B |
| 4350119077 | XXXX |  |  | XXXX A |
| 4350119083 | XXXX |  |  | XXXX A |
| 4350119091 | XXXX |  |  | XXXX C A |
| 4350119082 | XXXX |  |  | XXXX C A B |
| 4350119090 | XXXX |  |  | XXXX A |
| 4350119089 | XXXX |  |  | XXXX A C |
| 4350119085 | XXXX |  |  | XXXX A D |
| 4350119081 | XXXX |  |  | XXXX D C A B |
| 4350119087 | XXXX |  |  | XXXX A |
| 4350119101 | XXXX |  |  | XXXX A |
| 4350119093 | XXXX |  |  | XXXX C A B |
| 4350119086 | XXXX |  |  | XXXX A D |
| 4350119094 | XXXX |  |  | XXXX A |
| 4350119092 | XXXX |  |  | XXXX A |
| 4350119095 | XXXX |  |  | XXXX A |
| 4350119096 | XXXX |  |  | XXXX A |
| 4350119097 | XXXX |  |  | XXXX C A B |
| 4350119102 | XXXX |  |  | XXXX C A B |
| 4350119103 | XXXX |  |  | XXXX C A B |
| 4350119104 | XXXX |  |  | XXXX C A B |
| 4350119099 | XXXX |  |  | XXXX A |
| 4350119098 | XXXX |  |  | XXXX A |
| 4350119105 | XXXX |  |  | XXXX C A B |
| 4350119106 | XXXX |  |  | XXXX C A B |
| 4350119100 | XXXX |  |  | XXXX A |
| 4350119107 | XXXX |  |  | XXXX C A B |
| 4350119108 | XXXX |  |  | XXXX A |
| 4350119110 | XXXX |  |  | XXXX A |
| 4350119113 | XXXX |  |  | XXXX A |
| 4350119111 | XXXX |  |  | XXXX A D |
| 4350119109 | XXXX |  |  | XXXX A |
| 4350119112 | XXXX |  |  | XXXX A |
| 4350119114 | XXXX |  |  | XXXX C A |
| 4350119115 | XXXX |  |  | XXXX A |
| 4350119118 | XXXX |  |  | XXXX A |
| 4350119117 | XXXX |  |  | XXXX A |
| 4350119116 | XXXX |  |  | XXXX A |
| 4350119119 | XXXX |  |  | XXXX A |
| 4350119120 | XXXX |  |  | XXXX C A |
| 4350119122 | XXXX |  |  | XXXX A |
| 4350119121 | XXXX |  |  | XXXX A |
| 4350119124 | XXXX |  |  | XXXX D A B |
| 4350119123 | XXXX |  |  | XXXX C A B |

---

## Exhibit 99.38

**Exhibit 99.38**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

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| **Deal ID** | **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** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 4350119060 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119056 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119059 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 4350119053 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119061 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| 4350119057 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119074 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 4350119052 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 4350119058 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 4350119069 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 4350119055 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 4350119051 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 4350119065 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 4350119070 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119054 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| 4350119062 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 1004 URAR |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119066 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119063 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119064 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 4350119072 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 4350119068 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119067 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119088 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 4350119078 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119071 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119075 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 4350119073 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119076 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119080 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| 4350119079 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 4350119084 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119077 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119083 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119091 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 1004 URAR |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119082 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119090 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119089 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 4350119085 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119081 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 1004 URAR |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119087 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119101 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| 4350119093 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| 4350119086 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 4350119094 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119092 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119095 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119096 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119097 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2000 One Unit Appraisal Field Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119102 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 4350119103 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119104 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119099 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119098 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119105 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 1004 URAR |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119106 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119100 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 4350119107 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119108 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 1004 URAR |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 4350119110 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 4350119113 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119111 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119109 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119112 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119114 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119115 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119118 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119117 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119116 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119119 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 4350119120 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 4350119122 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 4350119121 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 4350119124 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 4350119123 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 0 |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |

---

## Exhibit 99.39

**Exhibit 99.39**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 4350119056 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119061 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119058 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119069 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Audit DTI difference is due to income calculations and liabilities based on documents in loan file. |
| 4350119065 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Audit value due to different in qualifying P&I. |
| 4350119066 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119066 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Audit reflects difference in net rental income per documents in the loan file.  |
| 4350119063 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Audit liabilities were based on documents in the loan file. |
| 4350119064 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119072 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | Audit Value of 1st + 2nd lien / Qualifying Value |
| 4350119072 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| 4350119072 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Audit Value of Subject Lien / Qualifying Value |
| 4350119088 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Audit Value of Subject Lien / Qualifying Value" |
| 4350119088 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| 4350119088 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 4350119078 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119075 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| 4350119075 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | Audit Value of 1st + 2nd lien / Qualifying Value |
| 4350119075 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Audit Value of Subject Lien / Qualifying Value |
| 4350119091 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Audit reflects difference in qualifying P&I per documents in the loan file.  |
| 4350119082 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | Audit Value of 1st + 2nd lien / Qualifying Value |
| 4350119082 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Audit Value of Subject Lien / Qualifying Value |
| 4350119082 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119090 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Audit DTI difference is due to liabilities based on documents in loan file.  |
| 4350119101 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119086 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | Audit Value of 1st + 2nd lien / Qualifying Value |
| 4350119086 | XXXX |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119086 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Audit Value of Subject Lien / Qualifying Value |
| 4350119094 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119096 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119097 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119102 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119102 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119102 | XXXX |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. <br>|
| 4350119103 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value PPP reflected in months; tape value reflects the same in years. |
| 4350119104 | XXXX |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | Audit value based on lender qualifying requirements. |
| 4350119104 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119098 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Audit value pulled from documents located in the loan file. |
| 4350119098 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Final Hud.  |
| 4350119098 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | Audit value pulled from documents located in the loan file. |
| 4350119105 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Audit Value of Subject Lien / Qualifying Value. |
| 4350119105 | XXXX |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | Audit value based on lender qualifying requirements. |
| 4350119105 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Audit liabilities were based on the most recent credit report in the loan file dated 10/13/2025.  |
| 4350119106 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Audit reflects difference in subject homeowner's insurance per documents in the loan file.  |
| 4350119107 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal.  |
| 4350119108 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119110 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 4350119110 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Audit Value of Subject Lien / Qualifying Value" |
| 4350119110 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| 4350119111 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 4350119109 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal.  |
| 4350119112 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Audit Value of Subject Lien / Qualifying Value" |
| 4350119112 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 4350119112 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| 4350119115 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | rounding |
| 4350119115 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | rounding |
| 4350119116 | XXXX |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | Audit value based on lender qualifying requirements. |
| 4350119119 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Audit Value of Subject Lien / Qualifying Value |
| 4350119119 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| 4350119119 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | Audit Value of 1st + 2nd lien / Qualifying Value |
| 4350119120 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Audit liabilities were based on documents in the loan file. |
| 4350119122 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| 4350119122 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Audit Value of Subject Lien / Qualifying Value" |
| 4350119122 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | Audit Value of 1st + 2nd lien / Qualifying Value" |

---

## Exhibit 99.40

**Exhibit 99.40**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 4350119060 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Transaction is ineligible due to subject property being vacant. Lender's guideline matrix requires a SFR property to be leased at the time of closing. - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX, XXXX>640 Min<br> Housing 0x30x12 - Guideline 1x30x12<br> LTV 70.00, 10<80.00 Max | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119059 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Proof of ownership provided, finding cleared. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing evidence of business ownership for asset #1 for use of business funds. - Due Diligence Vendor-XXXX |  | Resolved-Proof of ownership provided, finding cleared. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119059 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-XXXX |  | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-XXXX | XXXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119059 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of XXXX is equal to or greater than Total Required Reserve Amount of XXXX - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Total Qualified Assets for Reserves Post-Close of XXXX is less than Total Required Reserve Amount of XXXX - Due Diligence Vendor-XXXX |  | Resolved-Total Qualified Assets for Reserves Post-Close of XXXX is equal to or greater than Total Required Reserve Amount of XXXX - Due Diligence Vendor-XXXX | XXXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119059 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Insufficient asset documentation in file - assets do not cover closing costs. - Due Diligence Vendor-XXXX |  | Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119059 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Preliminary/Estimated only | Resolved-Lender provided final Settlement Statement. Condition cleared. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing Final HUD-1: Compliance testing utilized Preliminary/ Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. - Due Diligence Vendor-XXXX |  | Resolved-Lender provided final Settlement Statement. Condition cleared. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119053 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-The Lender guideline 2.9.1.3 requires property to be seasoned for 6 months from the acquisition date to the new Note Date. The subject seasoning is less than 6 months, and the lender used the new appraised value. - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | DTI 39%, 11%<50% max<br> Res Inc XXXXK, XXXXK>1.5K min<br> Housing 0x30x46, current and previous<br> SE XXXX yrs, 20 yrs>2 yr min | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119053 | XXXX |  |  | Closed | XXXX | XXXX | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open-The disclosed finance charge (XXXX) is (XXXX) below the actual finance charge(XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than XXXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The lender appears not to have included the Title- Release Fee in disclosed finance charges.. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119061 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. Lender guideline 6.1.4 requires a copy of the invoice submitted to the original Lender with outstanding balance if applicable. Copy of Invoice is missing. - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119057 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Final settlement statement provided, finding cleared. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-The final HUD/Settlement Statement is missing. The Settlement Statement in file is marked "estimated". - Due Diligence Vendor-XXXX |  | Resolved-Final settlement statement provided, finding cleared. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119052 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Interest Only Note provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-The Note is Incomplete The file is missing the Interest Only Addendum to the Note. - Due Diligence Vendor-XXXX |  | Resolved-Interest Only Note provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119052 | XXXX |  |  | Closed | XXXX | XXXX | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX <br>Ready for Review-Please waive - Buyer-XXXX <br>Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XXXX is after the Primary Appraisal Delivery Date of XXXX. - Due Diligence Vendor-XXXX |  | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4350119052 | XXXX |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 4350119069 | XXXX |  |  | Closed | XXXX | XXXX | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Counter-Lender provided Letter of Explanation and Proof of Refund. Please provide PCCD. Proof of Delivery is not required as the refund is less than XXXX. Condition maintained. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Initial Loan Estimate reflects an Appraisal fee of XXXX. Final CD reflects an Appraisal fee of XXXX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of XXXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX<br>| Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119069 | XXXX |  |  | Closed | XXXX | XXXX | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XXXX) | Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Counter-Lender provided Letter of Explanation and Proof of Refund. Please provide PCCD. Proof of Delivery is not required as the refund is less than XXXX. Condition maintained. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Initial Loan Estimate reflects an Appraisal fee of XXXX. Final CD reflects an Appraisal fee of XXXX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of XXXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119069 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing Flood Certificate Flood Certificate source document is missing in file - Due Diligence Vendor-XXXX |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119065 | XXXX |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A.<br> - Due Diligence Vendor-XXXX <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A.<br> - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | 4350119070 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited FICO of XXXX is less than Guideline FICO of 700 - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | DSCR XXXXx, XXXX >1.0x min<br> Res XXXX6mo, XXXXmo>2 mo min<br> Pri Mtg 0x46x12 vs 1x30x12 | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4350119054 | XXXX |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX <br>Ready for Review-Please waive - Buyer-XXXX <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-XXXX |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 4350119062 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Property type is ineligible due to More than 20 acres. - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX, XXXX>680 min<br> DTI 31%, 19%<50% Max<br> Res XXXX mo, 8>12 month min<br> SE XXXX yrs, XXXXyrs>2yrs min<br> Res Inc XXXXK, XXXXK>1.5K min | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119062 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited Loan Amount of XXXX is greater than the Guideline Maximum Loan Amount of XXXX0000 - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX,XXXX>680 min<br> DTI 31%, 19%<50% Max<br> Res XXXX mo, 8>12 month min<br> SE XXXX yrs, XXXXyrs>2yrs min<br> Res Inc XXXXK, XXXXK>1.5K min | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | No |
| XXXX | 4350119068 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements GL section 3.4.1 requires canceled checks or bank statements if VOR is completed by a non-institutional party. File includes VOR however canceled checks or bank statements are missing in file. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119068 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | TRID | TRID disclosure(s) for Borrower electronically dated prior to E-Consent | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. doc uploaded - Due Diligence Vendor-XXXX <br>Open-TRID disclosure(s) signed XXXX is prior to E-Consent from Borrower dated XXXX. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119068 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Rescinded-Confirmed - Due Diligence Vendor-XXXX <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. GL section 3.4.1 requires canceled checks or bank statements if VOR is completed by a non-institutional party. File includes VOR however canceled checks or bank statements are missing in file. - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Rescinded-Confirmed - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX > 680 Min<br> LTV 70% < 85% Max<br> DTI 36% < 55% Max<br> Reserves XXXX Months > 6 Months Min | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119078 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Required documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-The liens with XXXX have not closed yet. They currently have one lien on the property with XXXX which is derified. - Buyer-XXXX <br> Open-Borrower primary residence has accounts for both first lien and second lien with XXXX however there is no supporting documents in loan file. - Due Diligence Vendor-XXXX |  | Resolved-Required documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119071 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited FICO of XXXX is less than Guideline FICO of 700 - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | Reserves XXXX vs 2<br> DSCR XXXX vs 1 | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4350119076 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Assets | Asset General | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-GL section 4.2 requires verification of business ownership with minimum ownership of 25% if business accounts are considered. Currently business assets from business (1c) reflected on the final 1003 has been considered however file is missing with documentation to validate 25% of minimum ownership. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119076 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XXXX <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements GL section 4.2 requires verification of business ownership with minimum ownership of 25% if business accounts are considered. Currently business assets from business (1c) reflected on the final 1003 has been considered however file is missing with documentation to validate 25% of minimum ownership. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119080 | XXXX |  |  | Closed | XXXX | XXXX | Acknowledged | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H8 equal or after XXXX (non-material jurisdictions) | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX <br>Ready for Review-Please waive - Buyer-XXXX <br>Open-TILA: Incorrect NORTC model provided - H8 equal or after XXXX (non-material jurisdictions) SFA Position - B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-XXXX |  | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | 4350119080 | XXXX |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | 4350119079 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Borrower on rent and provided VOR which is provided by a landlord. AS per GLs Need cancelled checks or bank statements etc. - Due Diligence Vendor-XXXX |  | Waived-Housing History Does Not Meet Guideline Requirements Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX > 680 Min<br> DTI XXXX% < 50.00 Max<br> LTV 80% < 90% Max | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119079 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open-The Initial Closing Disclosure was provided on (XXXX) via (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XXXX), for consummation to occur on (XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XXXX. No Cure. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119079 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Borrower on rent and provided VOR which is provided by a landlord. AS per GLs Need cancelled checks or bank statements etc. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-ATR Risk - Credit History taken into consideration meets requirements The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119084 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited Loan Amount of XXXX is less than the Guideline Minimum Loan Amount of XXXX - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | LTV XXXX%, 5%<70% Max<br> FICO XXXX, 35>640 Min<br> Housing XXXX, 1x30x12 permitted<br> Reserves XXXX, XXXX>6 month min | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119091 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Closing | Simultaneous Lien Note status is missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Simultaneous Lien Note status is missing The file is missing the simultaneous 2nd loan Note and Final Closing CD. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119082 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Exception attached - Buyer-XXXX <br> Ready for Review-escalated - Buyer-XXXX <br> Open-Audited FICO of XXXX is less than Guideline FICO of 720 Lender's guidelines require that vacant properties be qualified using the DSCR >.75 - <1.00 matrix which requires minimum 720 FICO. - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | DSCR XXXX, XXXX >1 min<br> LTV XXXX%, 27.9%<70% max<br> Reserves XXXX, XXXX>6 month min<br> Housing 0x30x32, 1x30x12 permitted<br> Experienced Investor | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4350119089 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-E-Consent documentation is missing for borrower(s). Provided E-Consent document is signed by borrower - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119085 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Not Signed or Stamped Certified | Resolved-Final HUD/Settlement Statement received, finding resolved. - Due Diligence Vendor-XXXX <br>Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing Final HUD-1: HUD in file Not Signed or Stamped Certified. - Due Diligence Vendor-XXXX |  | Resolved-Final HUD/Settlement Statement received, finding resolved. - Due Diligence Vendor-XXXX <br>Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119081 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Appraisal Delivery Does Not Conform To E-Sign Act - Due Diligence Vendor-XXXX |  | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350119081 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% Audited CLTV Exceeds Guideline CLTV - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX vs 700 Min<br> DTI 8% vs 50% Max<br> Primary REO History 0x30x17 vs 1x30x12 Min<br> Other REO History 0x30x81 vs 1x30x12 Min | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | 4350119081 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 75% exceeds Guideline HCLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Audited HLTV of 75% exceeds Guideline HCLTV of 70% Audited HCLTV Exceeds Guideline HCLTV - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Waived-Audited HLTV of 75% exceeds Guideline HCLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX vs 700 Min<br> DTI 8% vs 50% Max<br> Primary REO History 0x30x17 vs 1x30x12 Min<br> Other REO History 0x30x81 vs 1x30x12 Min | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | 4350119081 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-The file is missing verification that borrower is at least 25% or more owner of XXXX. Please provide either an Article of Organization or an Operating Agreement that reflects the borrower is at least 25% or more owner. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350119081 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Closing | Simultaneous Lien Note status is missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Simultaneous Lien Note status is missing The file is missing the Simultaneous 2nd Note and Final CD. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350119093 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. The file is missing a copy of the appraisal invoice submitted to the original lender with outstanding balance if applicable. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119093 | XXXX |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 4350119086 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Not Signed or Stamped Certified | Resolved-Final HUD/Settlement Statement provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing Final HUD-1: HUD in file Not Signed or Stamped Certified. Settlement Statement in file is not signed or stamped certified and is also marked "draft". - Due Diligence Vendor-XXXX |  | Resolved-Final HUD/Settlement Statement provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119097 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited Loan Amount of XXXX is greater than the Guideline Maximum Loan Amount of XXXX - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX, XXXX>700 min<br> Res XXXX, XXXX>2 mo min | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4350119102 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Audited LTV of 77.77% exceeds Guideline LTV of 75% - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX,XXXX points>640 min<br> Reserves XXXX months, XXXX months>6 months min<br> Housing history 0x30x21 vs 1x30x12 allowed per program matrices<br> DSCR XXXX, XXXX>1.00 min<br> Experience Investor | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | No |
| XXXX | 4350119102 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% Audited HLTV of 77.77% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX points>640 min<br> Reserves XXXX months, XXXX months>6 months min<br> Housing history 0x30x21 vs 1x30x12 allowed per program matrices<br> DSCR XXXX, XXXX>1.00 min<br> Experience Investor | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | No |
| XXXX | 4350119102 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% Audited CLTV of 77.77% exceeds Guideline CLTV of 75% - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX,XXXX points>640 min<br> Reserves XXXX months, XXXX months>6 months min<br> Housing history 0x30x21 vs 1x30x12 allowed per program matrices<br> DSCR XXXX, XXXX>1.00 min<br> Experience Investor | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | No |
| XXXX | 4350119103 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited Loan Amount of XXXX is greater than the Guideline Maximum Loan Amount of XXXX - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX, XXXX>720<br> Res XXXX mths, XXXX>6<br> LTV XXXX, XXXX<70<br> Primary Mtg 0x30x108, vs 1x30x12 | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119104 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Audited HLTV of 78.63% exceeds Guideline HCLTV of 75% for a cash out refinance - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX<br> Reserves XXXX months | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 4350119104 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Audited CLTV of 78.63% exceeds Guideline CLTV of 75% for a cash out refinance - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX<br> Reserves XXXX months | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 4350119104 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Audited LTV of 78.63% exceeds Guideline LTV of 75% for a cash out refinance - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX<br> Reserves XXXX months | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 4350119105 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements GL requires Total 12 months reserves for loan amount exceeding XXXX, however qualified Assets for Reserves Post-Close of XXXX is less than Total Required Reserve Amount of XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350119105 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Total Qualified Assets for Reserves Post-Close of XXXX is less than Total Required Reserve Amount of XXXX GL requires Total 12 months reserves for loan amount exceeding XXXX, however qualified Assets for Reserves Post-Close of XXXX is less than Total Required Reserve Amount of XXXX. - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | LTV 38%, 32%<70% Max<br> CLTV 48%, 22%<70% Max<br> FICO XXXX, XXXX>720 Min<br> Pri 0x30x14 vs 1x30x12<br> 2nd 0x30x52 vs 1x30x12<br> Overall mtg 0x30x99 vs 1x30x12<br> Res Inc XXXXK, XXXXK>1.5K<br> SE XXXX yrs, XXXX yrs>2 yr min | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | No |
| XXXX | 4350119105 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | LTV 38%, 32%<70% Max<br> CLTV 48%, 22%<70% Max<br> FICO XXXX, XXXX>720 Min<br> Pri 0x30x14 vs 1x30x12<br> 2nd 0x30x52 vs 1x30x12<br> Overall mtg 0x30x99 vs 1x30x12<br> Res Inc XXXXK, XXXXK>1.5K<br> SE XXXX yrs, XXXX yrs>2 yr min | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | No |
| XXXX | 4350119105 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited Loan Amount of XXXX is greater than the Guideline Maximum Loan Amount of XXXX - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | LTV 38%, 32%<70% Max<br> CLTV 48%, 22%<70% Max<br> FICO XXXX, XXXX>720 Min<br> Pri 0x30x14 vs 1x30x12<br> 2nd 0x30x52 vs 1x30x12<br> Overall mtg 0x30x99 vs 1x30x12<br> Res Inc XXXXK, XXXXK>1.5K<br> SE XXXX yrs, XXXX yrs>2 yr min | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | No |
| XXXX | 4350119106 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Borrower | Missing LOE for excessive credit inquiries | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-Missing LOE for excessive credit inquiries As per credit report inquiry XXXX on XXXX is within 90 days from Note date however no lox on file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119106 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-E-Consent provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. . - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-E-Consent provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119106 | XXXX |  |  | Closed | XXXX | XXXX | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX <br>Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XXXX is after the Primary Appraisal Delivery Date of XXXX. - Due Diligence Vendor-XXXX |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 4350119107 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited FICO of XXXX is less than Guideline FICO of 700 - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | Reserves XXXX months, XXXX>6 month min<br> FICO XXXX, XXXX pts>660 min<br> DSCR XXXX, XXXX>1.0 min | XXXX | Investment | Refinance | Cash Out - Home Improvement/Reno | XXXX | Originator Post-Close | No |
| XXXX | 4350119111 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Preliminary/Estimated only | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing Final HUD-1: Compliance testing utilized Preliminary/Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. Final HUD missing, only provided estimated HUD - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119114 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Document received, finding resolved - Due Diligence Vendor-XXXX <br> Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. The loan file is missing evidence of the simultaneous close #XXXX for the remaining funds to close and reserves. Please provide the final settlement statement for the referenced closing. - Due Diligence Vendor-XXXX |  | Resolved-Document received, finding resolved - Due Diligence Vendor-XXXX <br>Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350119114 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Document received, finding resolved - Due Diligence Vendor-XXXX <br> Resolved-Documentation received, finding resolved - Due Diligence Vendor-XXXX <br> Resolved-Total Qualified Assets for Reserves Post-Close of XXXX is equal to or greater than Total Required Reserve Amount of XXXX - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-Total Qualified Assets for Reserves Post-Close of XXXX is less than Total Required Reserve Amount of XXXX The loan file is missing evidence of the simultaneous close #XXXX for the remaining funds to close and reserves. Please provide the final settlement statement for the referenced closing. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Document received, finding resolved - Due Diligence Vendor-XXXX <br> Resolved-Documentation received, finding resolved - Due Diligence Vendor-XXXX <br> Resolved-Total Qualified Assets for Reserves Post-Close of XXXX is equal to or greater than Total Required Reserve Amount of XXXX - Due Diligence Vendor-XXXX | XXXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350119114 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Document received, finding resolved - Due Diligence Vendor-XXXX <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) The loan file is missing evidence of the simultaneous close #XXXX for the remaining funds to close and reserves. Please provide the final settlement statement for the referenced closing. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Document received, finding resolved - Due Diligence Vendor-XXXX <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-XXXX | XXXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350119120 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Appraisal Transfer Does Not Meet Guideline Requirements. The lender guideline XXXX require Appraisal Transfer to have copy of the invoice submitted to the original lender with outstanding balance if applicable. - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350119124 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Open-Property type is ineligible due to More than 20 acres . - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Property type is ineligible due to More than 20 acres . Property type is ineligible due to More than 20 acres. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| XXXXX |  | FICO XXXX > 680 Min<br> DTI 15.882% < 50% Max<br> Reserves XXXX > 3 Month Min<br> LTV 59.259% < 70% Max<br> DE XXXX years XXXX months > 2 year Min | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119124 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. Copy of the invoice submitted to the original lender with outstanding balance - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119124 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Hazard Insurance Policy Partially Provided The file is missing the renewed policy declaration page with correct mortgagee clause. The file only contains a policy summary that expires within 30 days after the note date. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119123 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Property type is ineligible due to more than 20 acres . Property type is ineligible due to more than 20 acres. - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXXX |  | DTI 8.081%, 46.919%<55.00% MAX<br> FICO XXXX, XXXX pts>660 MIN | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119123 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. The lender guideline 6.1.4 require Appraisal Transfer to have copy of the invoice submitted to the original lender with outstanding balance if applicable.<br> - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-XXXX<br>| XXXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |

---

## Exhibit 99.41

**Exhibit 99.41**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

![](ex9941001.jpg)

**Selene Diligence LLC ("Selene") Due** <br> **Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Lone Star Residential Acquisitions, LLC ("Client"). The review was conducted between October 2025 and January 2026 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 31 Non-QM loans and 17 ATR/QM exempt loans for a total of 48 loans the "Final Securitization Population".

*<u>Credit Reviews (48):</u>*

During the Review, Selene performed a credit review on 48 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (48)</u>*

During the Review, Selene performed a compliance review, when applicable on 48 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (48):</u>*

During the Review, Selene performed a property valuation review on 48 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (48):</u>*

During the Review, Selene performed a Data Integrity Review on 48 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 48 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;48 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;48 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;48 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;48 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. ("Fitch") (the "NRSRO").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Northpointe Underwriting Guidelines, Kind Lending Non-Agency Program Guidelines, Flexpoint Non QM Guide, 5<sup>th</sup> Street Capital Underwriting Guidelines (collectively the "Guidelines")

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COLT 2026-1 Executive Summary (Selene Diligence LLC)

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

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COLT 2026-1 Executive Summary (Selene Diligence LLC)

● **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

&nbsp;&nbsp;**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 48 mortgage loans, (ii) a Compliance Review on 48 mortgage loans (iii) a Valuation Review on 48 mortgage loans, and (iv) a Data Integrity Review on 48 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**<u>REVIEW RESULTS SUMMARY</u>**

After review of the 48 mortgage loans; 41 mortgage loans had a rating grade of A, 7 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | ***Grades per loan (48 overall loans):*** | ***Grades per loan (48 overall loans):*** |  |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>**NRSRO** <br> **Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO** <br> **Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| A | &nbsp;&nbsp;9 | &nbsp;&nbsp;18.75% | &nbsp;&nbsp;A | &nbsp;&nbsp;41 | &nbsp;&nbsp;85.42% |
| B | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.08% | &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.58% |
| C | &nbsp;&nbsp;10 | &nbsp;&nbsp;20.83% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| D | &nbsp;&nbsp;28 | &nbsp;&nbsp;58.33% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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COLT 2026-1 Executive Summary (Selene Diligence LLC)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| |  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO** <br> **Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO** <br> **Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;48 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;41 | &nbsp;&nbsp;85.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.58% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| &nbsp;&nbsp;**NRSRO**<br> **Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;48 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain

Page **5** of **15**

COLT 2026-1 Executive Summary (Selene Diligence LLC)

claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence
 Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR)
 Attestation Form

9. Attestation Form
 15E

Page **6** of **15**

COLT 2026-1 Executive Summary (Selene Diligence LLC)

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income
 calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

Page **7** of **15**

COLT 2026-1 Executive Summary (Selene Diligence LLC)

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations
 for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security
 number variations for the borrowers and confirm that the variations have been addressed
 in the loan file;

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COLT 2026-1 Executive Summary (Selene Diligence LLC)

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy
 issues based on the borrowers' address history and confirm that any issues have
 been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues
 and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers
 associated with the borrowers' profiles and confirm the materiality and material
 issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

Page **9** of **15**

COLT 2026-1 Executive Summary (Selene Diligence LLC)

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; <br> ii) review relevant document to determine if there was dual compensation; and

Page **10** of **15**

COLT 2026-1 Executive Summary (Selene Diligence LLC)

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of
 homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization
 feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly
 or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage
 loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application,
 note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against
 the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 4.0, as may be updated from time to time.

Page **11** of **15**

COLT 2026-1 Executive Summary (Selene Diligence LLC)

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the
 general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **15**

COLT 2026-1 Executive Summary (Selene Diligence LLC)

**SCHEDULE I**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License-
 Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage
 Broker/Lender License-Mortgage Lending Regulation License<br>
 Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection
 Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker &
 Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division
 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection
 Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License
 Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan
 Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage
 Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act
 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services
 Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License -
 Mortgage Loan Originator Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage
 Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices
 Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License
 Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage
 Broker License- Master Loan Company Registration<br>
 Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code
 - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage
 Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and
 Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended
 by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations
 under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage
 Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator
 and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage
 Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company
 License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License
 - Residential Mortgage Lender License-Mortgage Broker License<br>
 Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home
 Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers
 Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker
 License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage
 Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security
 Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection
 Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices
 Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH
 Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer
 Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer
 Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and
 Equity Protection Act (original provisions & 2009 higher-priced amendments)

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COLT 2026-1 Executive Summary (Selene Diligence LLC)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance
 License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection
 Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection
 Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License
 – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection
 Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage
 Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and
 Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770,
 Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company
 License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage
 Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code
 – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;1. CA AB 260 (Division 1.9
 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending
 Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT Abusive Home Lending
 Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT Nonprime Home Loans
 Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL Office of Banks and
 Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL High Risk Home Loan
 ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago, IL Predatory
 Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook County, IL Predatory
 Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY Predatory Lending
 and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;9. ME Title 9-A Residential
 Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home
 Loan, and Higher-Priced Mortgage Loan Provisions (original 2003 provisions and 2008,
 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;10. MA High Cost Home Loan
 Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209
 CMR 32.35 Higher-Priced Mortgage Loan Provisions - MA "Borrower's Interest"
 Standard

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland Regulations
 for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC Restrictions and
 Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV Unfair Lending Practices
 Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY GRBB Part 41 (pre-
 and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH Anti - Predatory
 Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland Heights, OH
 Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI Providence Ordinance
 Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC High-Cost and Consumer
 Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX Home Loan and High
 Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;22. UT High Cost Home Loan
 Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI VA SB 797 Hight Risk
 Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI Responsible High
 Cost Mortgage Lending Act

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**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The individuals
 performing the aforementioned original appraisal assessment are not persons providing
 valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP")
 or necessarily licensed as appraisers under Federal or State law, and the services being
 performed by such persons do not constitute "appraisal reviews" for purposes
 of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or
 warranty as to the value of any mortgaged property, notwithstanding that Selene may have
 reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an
 'AMC' (appraisal management company) and therefore Selene does not opine
 on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

COLT 2026-1 Executive Summary (Selene Diligence LLC)

## Exhibit 99.42

**Exhibit 99.42**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 4350119137 | XXXX |  |  | XXXX C A |
| 4350119142 | XXXX |  |  | XXXX D A B |
| 4350119141 | XXXX |  |  | XXXX C A D |
| 4350119161 | XXXX |  |  | XXXX D A |
| 4350119159 | XXXX |  |  | XXXX D A |
| 4350119138 | XXXX |  |  | XXXX C A |
| 4350119147 | XXXX |  |  | XXXX D A |
| 4350119164 | XXXX |  |  | XXXX C A D |
| 4350119135 | XXXX |  |  | XXXX A D |
| 4350119133 | XXXX |  |  | XXXX C A |
| 4350119134 | XXXX |  |  | XXXX C A D |
| 4350119174 | XXXX |  |  | XXXX C A B |
| 4350119168 | XXXX |  |  | XXXX D A |
| 4350119166 | XXXX |  |  | XXXX D C A |
| 4350119169 | XXXX |  |  | XXXX C A B |
| 4350119171 | XXXX |  |  | XXXX D A |
| 4350119170 | XXXX |  |  | XXXX D A |
| 4350119136 | XXXX |  |  | XXXX C D A |
| 4350119140 | XXXX |  |  | XXXX C D A |
| 4350119132 | XXXX |  |  | XXXX C A D |
| 4350119165 | XXXX |  |  | XXXX D A B |
| 4350119158 | XXXX |  |  | XXXX B A |
| 4350119160 | XXXX |  |  | XXXX A |
| 4350119127 | XXXX |  |  | XXXX C A |
| 4350119139 | XXXX |  |  | XXXX C D A |
| 4350119128 | XXXX |  |  | XXXX D A B |
| 4350119125 | XXXX |  |  | XXXX D C A |
| 4350119148 | XXXX |  |  | XXXX C A |
| 4350119126 | XXXX |  |  | XXXX D A |
| 4350119173 | XXXX |  |  | XXXX A |
| 4350119167 | XXXX |  |  | XXXX D A |
| 4350119163 | XXXX |  |  | XXXX C A B |
| 4350119172 | XXXX |  |  | XXXX D A |
| 4350119157 | XXXX |  |  | XXXX A |
| 4350119143 | XXXX |  |  | XXXX D C A |
| 4350119162 | XXXX |  |  | XXXX A |
| 4350119144 | XXXX |  |  | XXXX C A |
| 4350119146 | XXXX |  |  | XXXX A |
| 4350119145 | XXXX |  |  | XXXX D A |
| 4350119150 | XXXX |  |  | XXXX D A |
| 4350119153 | XXXX |  |  | XXXX D A |
| 4350119151 | XXXX |  |  | XXXX C A D |
| 4350119149 | XXXX |  |  | XXXX A |
| 4350119154 | XXXX |  |  | XXXX C A |
| 4350119130 | XXXX |  |  | XXXX D A |
| 4350119131 | XXXX |  |  | XXXX A |
| 4350119152 | XXXX |  |  | XXXX A |
| 4350119129 | XXXX |  |  | XXXX A |

---

## Exhibit 99.43

**Exhibit 99.43**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 4350119137 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXX on page#26 a clear fraud report is required. The fraud report in file pg#290 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119142 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception is for housing history - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Exception Approval - Seller-XXXX <br> Open-Housing History Does Not Meet Guideline Requirements Pert GL XXXX page #27, 12-month housing history required for primary residence. However CBR on page # 371 shows only 8 months reviewed. Housing history is short by 4 months.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XXXX<br>| Waived-Exception is for housing history - Due Diligence Vendor-XXXX<br>| XXXX |  | DTI is at 34.54 and max DTI can be at 50% <br> Credit score is at XXXX and all that is needed is 660 | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119142 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 and business approval page. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated 1008 with corrected income - Seller-XXXX <br> Open-Audited HTI / DTI are XXXX / XXXX whereas lender HTI / DTI are XXXX / XXXX. The difference is XXXX respectively.<br>This is because (1) lender considered qualifying income as XXXX based on bank statements from XXXX to XXXX with an expense ratio of 20% whereas our calculated income is XXXX which is based on bank statements from XXXX to XXXX with an expense ratio of XXXX per CPA letter. (2) lender considered tax amount as XXXX whereas per tax cert it is XXXX annually or XXXX monthly. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated 1008 with corrected income - Seller-XXXX<br>| Resolved-Updated 1008 and business approval page. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119142 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Tax Cert attached. This is a purchase. UW is using tax rate x the purchase price - Seller-XXXX <br>Open-Missing Evidence of Property Tax Tax amount per tax cert on page # 505 is XXXX annually or XXXX monthly whereas 1008 shows tax amount as XXXX. Provide proof of document validating this XXXX tax amount.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Tax Cert attached. This is a purchase. UW is using tax rate x the purchase price - Seller-XXXX<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119142 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud report, provided updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br> Open-Fraud Report Shows Uncleared Alerts Per the GL XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 495) is showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-There are uncleared alerts in fraud report, provided updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119141 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit Worthiness | Mortgage history for primary residence less than 12 months | Resolved-Have history up to XXXX - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Per UW loan closed in Oct so we only need thru Sept rents which are attached - Seller-XXXX <br> Counter-Have the months of XXXX and have XXXX however do not have the recent months of XXXX need 12 consecutive pay history - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. VOR - Seller-XXXX <br> Open-Based on LOE in the file borrower has been staying at the property for 5 months and makaing payments oof XXXX a month. Need updated 1003 and proof of rents for the past 5 months need 12 months of consecutive pay history. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Per UW loan closed in Oct so we only need thru Sept rents which are attached - Seller-XXXX <br>Ready for Review-Document Uploaded. VOR - Seller-XXXX<br>| Resolved-Have history up to XXXX - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119141 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Gap Credit - Seller-XXXX <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). As per the GL Version XXXX on page#26 we required Gap credit report within 10 days prior to closing date. in file we have Gap report available on page#2is on XXXX<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Gap Credit - Seller-XXXX<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119141 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Updated property page. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-XXXX <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version XXXX on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. XXXX - Seller-XXXX | Resolved-Updated property page. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119141 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s420 and the Final Closing disclosure on Pg#'s203, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s446,430,170. An interior and exterior appraisal was completed for this property – see pg#'s32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s158,159. and confirmation the appraisal was delivered to the borrower – see Pg#'279. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s420 and the Final Closing disclosure on Pg#'s203, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s446,430,170. An interior and exterior appraisal was completed for this property – see pg#'s32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s158,159. and confirmation the appraisal was delivered to the borrower – see Pg#'279. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119161 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br>Counter-CD provided verifying Secured Funds. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Asset 5 Does Not Meet Guideline Requirements Proof of the Secured Borrowed Funds amounting to XXXX is missing from the file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119161 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Resolved. Recorded Affidavit of Scrivener's Error provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The Deed of Trust is Missing Mortgage reflects Borrower is an unmarried woman. However, 1003 and ID reflect Borrower is an unmarried man. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Resolved. Recorded Affidavit of Scrivener's Error provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119161 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved. Legible 1008 provided. - Due Diligence Vendor-XXXX <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The 1008 document is missing from the loan file. 1008, including UW Notes, is illegible. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Resolved. Legible 1008 provided. - Due Diligence Vendor-XXXX <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119159 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Resolved. Notarized Business Purpose Affidavit provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Provide notarized Business Purpose Affidavit. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Resolved. Notarized Business Purpose Affidavit provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119138 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-XXXX <br> Resolved-Updated Loan Approval document received. System updated. Meets guidelines as an A+ program. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated Conditional Approval showing this is now a Non QM A+ so we can use Cash out funds for reserves - Seller-XXXX <br> Open-Loan was approved under the Super-Kind program. Per the XXXX Matrix, Reserves are 6 months minimum and cash-out cannot be utilized. There are no assets on the 1003 or in the file to use for Reserves. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated Conditional Approval showing this is now a Non QM A+ so we can use Cash out funds for reserves - Seller-XXXX<br>| Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-XXXX <br> Resolved-Updated Loan Approval document received. System updated. Meets guidelines as an A+ program. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119138 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-Fraud Report Shows Uncleared Alerts The XXXX document shows a total of 4 High alerts, only 3 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119147 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 uploaded with other income removed, DTI matches the 1008 document. Verified & entered in system - Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated 1003/1008 removing other income - Seller-XXXX <br> Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XXXX% but Originator DTI is 40%.Variance is 4.56 due to the difference in income, our calculated income is XXXX whereas underwriter has considered the total income XXXX, income document is missing for the other income XXXX reflecting in final 1003 page 506. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated 1003/1008 removing other income - Seller-XXXX<br>| Resolved-Updated 1008 uploaded with other income removed, DTI matches the 1008 document. Verified & entered in system - Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119147 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Updated Final 1003 & 1008 uploaded with other income removed, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated 1003/1008 removing other income - Seller-XXXX <br> Open-Provide proof of income or supporting income document for the other income XXXX reflecting in final 1003 page 506. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated 1003/1008 removing other income - Seller-XXXX<br>| Resolved-Updated Final 1003 & 1008 uploaded with other income removed, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119147 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Funds verified. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Final Funds - Seller-XXXX <br> Open-Provide wired proof or statements for the Gifts of XXXX page 269 and XXXX page 270. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Final Funds - Seller-XXXX<br>| Resolved-Funds verified. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119147 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XXXX <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br> Open-Fraud Report Shows Uncleared Alerts Per the GL XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 261) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119147 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-XXXX with acceptable score provided. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. XXXX - Seller-XXXX <br> Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. XXXX- Seller-XXXX | Resolved-XXXX with acceptable score provided. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119164 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (CDA) document provided. - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary valuation. CU score is greater than 2.5. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Secondary Valuation or Additional Valuation (CDA) document provided. - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119164 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Resolved. VOM provided. - Due Diligence Vendor-XXXX <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Counter-Received request to remove verification or rent. An Exception would be needed to remove housing history requirement. Rental history must be evidenced by canceled checks (front and back) or a Verification of Rent on a XXXX acceptable form. An ACH transaction from bank statements is also acceptable. - Due Diligence Vendor-XXXX <br> Ready for Review-PER UW can "we can remove this condition as the borrower has sufficient housing history on his mortgages on other properties" - Seller-XXXX <br> Open-Housing History Does Not Meet Guideline Requirements Provide verification of Rent. Borrower has been residing at the current address for 1 month; previously, borrower rented for 1 year. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX <br>Ready for Review-PER UW can "we can remove this condition as the borrower has sufficient housing history on his mortgages on other properties" - Seller-XXXX<br>| Resolved-Resolved. VOM provided. - Due Diligence Vendor-XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119164 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Resolved. 1031 Exchange Statement provided. - Due Diligence Vendor-XXXX <br>Resolved-Proof for 1031 exchange funds provided. Asset Record 3 Meets G/L Requirements Or Not Applicable. - Due Diligence Vendor-XXXX <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Asset Record 3 Does Not Meet G/L Requirements Provide documentation to verify 1031 exchange funds. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Resolved. 1031 Exchange Statement provided. - Due Diligence Vendor-XXXX <br>Resolved-Proof for 1031 exchange funds provided. Asset Record 3 Meets G/L Requirements Or Not Applicable. - Due Diligence Vendor-XXXX <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119135 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX <br>Resolved-Certificate of Organization provided, EIN in file. Hence Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The file is missing secondary valuation or additional valuation. Provide a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or an appraisal desk review.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX <br>Resolved-Certificate of Organization provided, EIN in file. Hence Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119133 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Provide the COC for Final Closing disclosure Date XXXX Due to Lender Credits decreased from Revised Closing disclosure Date XXXX Fee XXXX to Final Closing disclosure Date XXXX Fee XXXX. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119133 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide the COC for Final Closing disclosure Date XXXX Due to Points - Loan Discount Fee XXXX Newly added in Final Closing disclosure. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119133 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXX on page#26 a clear fraud report is required. The fraud report in file pg#415 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119134 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XXXX <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br> Open-Fraud Report Shows Uncleared Alerts Per the GL XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 302) is showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119134 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap credit Report is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Gap Credit - Seller-XXXX <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Per the GL XXXX page # 26 GAP report is required 10 days prior to closing date (XXXX), one in file is expired. Provide the updated GAP credit report.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Gap Credit - Seller-XXXX<br>| Resolved-Gap credit Report is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119134 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. XXXX - Seller-XXXX | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119174 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-We have exception in file on page #473 for "Borrower went through a Divorce and Husband was awarded 2 properties per the divorce decree. The ex-spouse was now made responsible for making the mortgage payments for these 2 properties which is showing as 4x30x12 on borrower's credit report. Exception request to proceed with loan with the mortgage late payments - no lates after XXXX", Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-XXXX |  | Waived-We have exception in file on page #473 for "Borrower went through a Divorce and Husband was awarded 2 properties per the divorce decree. The ex-spouse was now made responsible for making the mortgage payments for these 2 properties which is showing as 4x30x12 on borrower's credit report. Exception request to proceed with loan with the mortgage late payments - no lates after March", Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-XXXX<br>| XXXX |  | XXXX months reserves > required 6 months. <br> XXXX Qualifying FICO > Minimum required 700<br> 27.99 DTI < Max DTI of 50% | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119174 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-UW Exception for LTV 80% exceeding max allowed f 75% for declining market provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. We agree. Please see attached. - Seller-XXXX <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% LTV of 80% exceeds GL max of 75%. LTV reduced 5% due to declining market. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. We agree. Please see attached. - Seller-XXXX<br>| Waived-UW Exception for LTV 80% exceeding max allowed f 75% for declining market provided. - Due Diligence Vendor-XXXX<br>| XXXX |  | XXXX months reserves > required 6 months. <br> XXXX Qualifying FICO > Minimum required 700<br> 27.99 DTI < Max DTI of 50% | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 4350119168 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested CPA Letter date submission provided, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE for Borrower 1. CPA letter provided is not dated. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Requested CPA Letter date submission provided, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119168 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Open-Provide Business Narratives for Both Borrowers. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119168 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested Evidence of Rate Lock provided, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Open-Evidence of Rate Lock Missing Provide Evidence of Rate Lock. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-Requested Evidence of Rate Lock provided, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119168 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 706 and the Final Closing disclosure on Pg#'s 409 reflects escrows. Rate lock date was entered correctly – see Pg#'s 93 An interior and exterior appraisal was completed for this property – see pg 71 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 80, 717 and copy of the appraisal was given to the borrower – see Pg#'s 80, 158 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 706 and the Final Closing disclosure on Pg#'s 409 reflects escrows. Rate lock date was entered correctly – see Pg#'s 93 An interior and exterior appraisal was completed for this property – see pg 71 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 80, 717 and copy of the appraisal was given to the borrower – see Pg#'s 80, 158 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119166 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Received proof of wire. Resolved - Due Diligence Vendor-XXXX <br>Open-Asset 6 Does Not Meet Guideline Requirements - Due Diligence Vendor-XXXX <br>Resolved-Received copy of Gift wire. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Counter-Received copy of Gift letter. Still need proof of wire being received for XXXX. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Asset 6 Does Not Meet Guideline Requirements Provide proof of wire being received for the gift amount of XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Received proof of wire. Resolved - Due Diligence Vendor-XXXX <br>Resolved-Received copy of Gift wire. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119166 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (XXXX) | Resolved-Resolved - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open-You submitted a late fee amount of (XXXX) and a (XXXX%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed XXXX% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. See the attached Fee Details and Compliance Summary showing that the points are bona fide and the loan isn't a high cost mortgage. - Seller-XXXX <br> Open-You submitted a late fee amount of (XXXX) and a (XXXX%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed XXXX% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) Provide COC. You submitted a late fee amount of (XXXX) and a (XXXX%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed XXXX% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)). - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See the attached Fee Details and Compliance Summary showing that the points are bona fide and the loan isn't a high cost mortgage. - Seller-XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119166 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-Resolved - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Rescinded-Duplicate - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Rescinded-This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) Non-QM. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-Resolved - Due Diligence Vendor-XXXX <br>Rescinded-Duplicate - Due Diligence Vendor-XXXX <br>Rescinded-This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) Non-QM. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119166 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: APR/FEES | Resolved-Resolved - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open-The loan fees (XXXX) exceed the (FED2014) (Note Amount >=XXXX) fee limit, which is XXXX% of the Total Loan Amount (XXXX), the difference is (XXXX). (12 CFR 1026.32). - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. See the attached Fee Details and Compliance Summary showing that the points are bona fide and the loan isn't a high cost mortgage. - Seller-XXXX <br> Open-The loan fees (XXXX) exceed the (FED2014) (Note Amount >=XXXX) fee limit, which is XXXX% of the Total Loan Amount (XXXX), the difference is (XXXX). (12 CFR 1026.32). Provide COC. The loan fees (XXXX) exceed the (FED2014) (Note Amount >=XXXX) fee limit, which is XXXX% of the Total Loan Amount (XXXX), the difference is (XXXX). - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See the attached Fee Details and Compliance Summary showing that the points are bona fide and the loan isn't a high cost mortgage. - Seller-XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119166 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Income calculation sheet for B1. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119166 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Missing Third Party Fraud Report Provide Third Party Fraud Report. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119169 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached docs and rent free letter - Seller-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Provide evidence of housing history. 1003 states Borrower 1 is renting and Borrower 2 has no primary housing expense. Supporting documentation needed. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached docs and rent free letter - Seller-XXXX<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350119169 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception on page#640:<br> Closing without paying off Judgment of over XXXXK outstanding size for Borrower 1, XXXX will be co- signer not placed on title. - Due Diligence Vendor-XXXX |  | Waived-Loan does not conform to program guidelines Exception on page#640:<br> Closing without paying off Judgment of over XXXX outstanding size for Borrower 1, XXXX will be co- signer not placed on title. - Due Diligence Vendor-XXXX | XXXX |  | LTV is 38.62%. Maximum allowed per guidelines is 50%.<br> Borrower has worked in same job more than 3 years.<br> Borrower has worked in same industry more than 5 years.<br> Title Company has confirmed the Judgment will not attach to the property when deeding title in only B2,XXXX name, borrowers do have additional assets undocumented - stated he has around XXXXk in cash, very low LTV, | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119171 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Open-PUD Rider is Missing Provide PUD Rider - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-PUD Rider provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119171 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust document provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Open-The Deed of Trust is Missing Provide executed DOT with associated Riders - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-Deed of Trust document provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119171 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business Narrative document provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Open-Provide Business Narrative - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-Business Narrative document provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119170 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Open-Provide Asset Depletion income calculator. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119136 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline version XXXX on page#26 a clear fraud report is required. The fraud report in file pg#313 is showing a High alert. Provide the updated report.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119136 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-Resolved. COC provided for credit decrease. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. COC/CD for decreased in lender credit XXXX and XXXX - Seller-XXXX <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Provide the COC for Final Closing Disclosure lender credit decrease from Initial CD date XXXX Fee XXXX to FINAL CD Date XXXX Fee XXXX decreased Fee XXXX. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. COC/CD for decreased in lender credit XXXX and XXXX - Seller-XXXX | Resolved-Resolved. COC provided for credit decrease. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119136 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final 1003 document provided. - Due Diligence Vendor-XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Final 1003 - Seller-XXXX <br>Open-The Final 1003 is Missing Provide the Final 1003. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Final 1003 - Seller-XXXX<br>| Resolved-Final 1003 document provided. - Due Diligence Vendor-XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119136 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Initial Escrow Disclosure document provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. IEADS - Seller-XXXX <br>Open-Missing Initial Escrow Disclosure. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. IEADS - Seller-XXXX<br>| Resolved-Initial Escrow Disclosure document provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119140 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The document provided as the Final 1003 does not have Income that matches the 1008 nor the lender's Income Calculation Worksheets. Also, the assets' balances on the 1003 are not reflective of the most-recent statements provided in the file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119140 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-Proof for AC inspection uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-1004D Completion Report is present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. AC Inspection - Seller-XXXX <br>Open-1004D Completion Report is Missing The appraisal was completed "subject to the following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair." The 1004D completion report missing. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. AC Inspection - Seller-XXXX<br>| Resolved-Proof for AC inspection uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-1004D Completion Report is present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119140 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-XXXX <br> Open-Fraud Report Shows Uncleared Alerts The XXXX document shows a total of 10 High alerts, only 9 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119140 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg #'s 703,501 and the Final Closing disclosure on Pg#'s 501, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 731,740. An interior and exterior appraisal was completed for this property – see pg# 486 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s , and confirmation the appraisal was delivered to the borrower – see Pg #'s 557, 485 . The loan meets HPML guidelines. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX |  | Resolved-. - Due Diligence Vendor-XXXX <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg #'s 703,501 and the Final Closing disclosure on Pg#'s 501, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 731,740. An interior and exterior appraisal was completed for this property – see pg# 486 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s , and confirmation the appraisal was delivered to the borrower – see Pg #'s 557, 485 . The loan meets HPML guidelines. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119132 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXX on page#26 a clear fraud report is required. The fraud report in file pg#258 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119132 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version XXXX on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. XXXX - Seller-XXXX | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119165 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business narrative received. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Provide Business Narrative - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Business narrative received. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119165 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-We have Exception in file on page #564 for "Exception for XXXX. Borrower currently has a mixed of Investor Cash Flow and Prime Non Agency loans. This loan will be number 8.", Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-XXXX |  | Waived-We have Exception in file on page #564 for "Exception for XXXX. Borrower currently has a mixed of Investor Cash Flow and Prime Non Agency loans. This loan will be number 8.", Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-XXXX<br>| XXXX |  | Investor experience is Heavy. Investor Experience required per guidelines is None. <br> LTV is XXXX%. Maximum allowed per guidelines is 75%.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 9 months. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119158 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception Approval provided p339. Exception for XXXX. Borrower currently has a mixed of Investor Cash Flow and Prime Non Agency loans. This loan will be number 8.<br> - Due Diligence Vendor-XXXX |  | Waived-Loan does not conform to program guidelines Exception Approval provided p339. Exception for XXXX. Borrower currently has a mixed of Investor Cash Flow and Prime Non Agency loans. This loan will be number 8.<br> - Due Diligence Vendor-XXXX<br>| XXXX |  | Borrower Investment Housing History is 0X30, 36 months. Housing History required per guidelines is 0X30, 12 months.<br> Borrower Housing History is 0X30, 12 months. Housing History required per guidelines is 0X30, 12 months.<br> DSCR is XXXX. Minimum required per guidelines is 0.75.<br>| XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119127 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-IEADS provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br>Open-The loan is escrowed, but the Initial Escrow Account Disclosure Statement (IEADS) is missing from the file. - Due Diligence Vendor-XXXX |  | Resolved-IEADS provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119139 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br> Resolved-Gift letter XXXX - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. 1003/Gift Letter - Seller-XXXX <br> Counter-Based on LOX in file funds in amount of 100k is gift funds from the mother. Will need the gift letter. Also not reflected on final 1003 - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. bank statement to go with the assets the condition is referring to, but would need to be more specific about what doesn't meet guidelines - Seller-XXXX <br> Open-Asset Record 2 Does Not Meet G/L Requirements - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. 1003/Gift Letter - Seller-XXXX <br>Ready for Review-Document Uploaded. bank statement to go with the assets the condition is referring to, but would need to be more specific about what doesn't meet guidelines - Seller-XXXX<br>| Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br> Resolved-Gift letter XXXX - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119139 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Initial 1003 - Seller-XXXX <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Initial 1003 - Seller-XXXX<br>| Resolved-Initial 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119139 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXX on page#26 a clear fraud report is required. The fraud report in file pg#364 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119128 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception approval received.<br> "Exception to allow CLTV of XXXX% with FICO XXXX vs guideline" - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. please see attached - Buyer-XXXX <br> Open-Audited LTV Exceeds Guideline LTV Per the XXXX Matrix for a 2nd Home Purchase with a Credit Score between 740-759, the Maximum LTV is 80%. This loan qualified with an 85% LTV. - Due Diligence Vendor-XXXX |  | Waived-Exception approval received.<br> "Exception to allow CLTV of 85% with FICO XXXX vs guideline" - Due Diligence Vendor-XXXX | XXXX |  | 1. Low DTI of 31.51%.<br> 2. 12+ months reserves. Total reserves are XXXX months vs guideline of only 6 months.<br> 3. High Discretionary Income of XXXX.<br> 4. Number of years in home of XXXX+ years.<br> 5. Housing History of 0x30x24. Credit on file since XXXX. | XXXX | Second Home | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 4350119128 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Clarification received. - Due Diligence Vendor-XXXX <br>Ready for Review-Lender no longer uses an income worksheet. Please refer to the 1008/1003 for income and assets - Buyer-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender's Income Calculation Worksheet is missing from the file. - Due Diligence Vendor-XXXX |  | Resolved-Clarification received. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119125 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-1073 Condo Appraisal document received. System updated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see appraisal attached - Seller-XXXX <br>Counter-A Desk review of an appraisal was provided. However, the corresponding appraisal (1073 or 1004) is missing. - Due Diligence Vendor-XXXX <br>Ready for Review-Property is TIC, not a condo. This form is not required - Seller-XXXX <br>Open-The 1073 Condo Appraisal is missing from the file. (The Desk Review was provided, but not the initial 1073 Condo appraisal) - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see appraisal attached - Seller-XXXX <br>Ready for Review-Property is TIC, not a condo. This form is not required - Seller-XXXX<br>| Resolved-1073 Condo Appraisal document received. System updated. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119125 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-COC provided. System updated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Gap Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). A fee of XXXX for "Gap Credit Report Fee" was added to the Final CD with no valid COC located in the file. - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX <br>Open- - Due Diligence Vendor-XXXX |  | Resolved-COC provided. System updated. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119125 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Doc Issue | VCC (Valid Change of Circumstance) Worksheet is Incomplete | Resolved-Corrected COC received. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-There are two Changed Circumstance Detail Forms provided, and both show the Date of Change to be XXXX. However, the particular form that starts with "Loan amount increased to XXXX per borrowers request" corresponds with the Intermediate CD dated XXXX. This form has an incorrect date of XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Corrected COC received. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119125 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Clarification received. - Due Diligence Vendor-XXXX <br>Ready for Review-Please refer to 1008/1003. Lender no longer uses income worksheets - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender's Income Calculation Worksheet is missing from the file. - Due Diligence Vendor-XXXX | Ready for Review-Please refer to 1008/1003. Lender no longer uses income worksheets - Seller-XXXX<br>| Resolved-Clarification received. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119148 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXX on page#26 a clear fraud report is required. The fraud report in file pg#275 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XXXX<br>| Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119126 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Resolved-received Lender income calc - resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see income worksheet attached - Buyer-XXXX <br>Ready for Review-lender no longer uses income worksheet. please refer to 1008/1003 - Buyer-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Worksheet is missing in file. - Due Diligence Vendor-XXXX |  | Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Resolved-received Lender income calc - resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350119126 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Bank Statements verifying 12 Months Rent History uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br> Open-Housing History Does Not Meet Guideline Requirements The borrower has been living in a rental property for the past 5 months, and rent payment history is provided on pages 89, 102, 130, 139, and 147. However, rent history for the previous address at XXXX is missing from the file. A Verification of Rent (VOR) or rent history is required to meet the 12-month housing history requirement. - Due Diligence Vendor-XXXX |  | Resolved-Bank Statements verifying 12 Months Rent History uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350119167 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation CDA provided, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation, CU score is greater than 2.5. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Requested secondary valuation CDA provided, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119167 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119163 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Missing subject rental income documentation | Resolved-Requested short-term rental analysis from Opteon provided, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Provide short term rental documentation used to qualify Rental Income in the amount of XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Requested short-term rental analysis from Opteon provided, updated & condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350119163 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% Exception provided on page #460. Exception requested Approval for rate/term LTV of 80% LTV though credit score is XXXX.<br>- Due Diligence Vendor-XXXX |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% Exception provided on page #460. Exception requested Approval for rate/term LTV of 80% LTV though credit score is XXXX.<br>- Due Diligence Vendor-XXXX | XXXX |  | DSCR is XXXX. Minimum required per guidelines is 0.75.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months.<br> Borrower Housing History is 0X30, 12 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350119172 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Resolved. Business Narrative Questions provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Counter-Received income calculator and business narrative from underwriter. Provide Business Narrative from borrower. An email from the borrower confirming the business narrative also works. Countered - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-Resolved. Business Narrative Questions provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350119143 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-proof fee is in recording fee breakdown from title - Due Diligence Vendor-XXXX <br> Ready for Review-The XXXX XXXX Foreclosure Prevention Fee is itemized and listed on page page 2 of the FSS we uploaded. It is lumped in with our Recording fees on the CD and cannot be broken down. Please escalate to clear. - Seller-XXXX <br> Counter-Provide the CD with the revision. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. I apologize. I uploaded incorrect document. - Document Uploaded. Final HUD-1 SS - see itemization of Foreclosure Prevention Fee IOA of XXXX listed on page page 2 - Seller-XXXX <br> Counter-The report provided only contains the state fail and not the itemized fee. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Final HUD-1 SS - see itemization of Foreclosure Prevention Fee IOA of XXXX listed on page page 2 - Seller-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open-XXXX requires every borrower in a residential mortgage loan to pay an XXXX Foreclosure Prevention Fee. The System did not find an XXXX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) Foreclose prevention fee - state specific - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX | Ready for Review-The XXXX XXXX Foreclosure Prevention Fee is itemized and listed on page page 2 of the FSS we uploaded. It is lumped in with our Recording fees on the CD and cannot be broken down. Please escalate to clear. - Seller-XXXX <br> Ready for Review-Document Uploaded. I apologize. I uploaded incorrect document. - Document Uploaded. Final HUD-1 SS - see itemization of Foreclosure Prevention Fee IOA of XXXX listed on page page 2 - Seller-XXXX <br> Ready for Review-Document Uploaded. Final HUD-1 SS - see itemization of Foreclosure Prevention Fee IOA of XXXX listed on page page 2 - Seller-XXXX | Resolved-proof fee is in recording fee breakdown from title - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119143 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 document uploaded, DTI matches the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-The 1008 document is missing from the loan file. Provide an updated 1008 with corrected appraisal value, P&I and Other property rental income causing a discrepancy for DTI & LTV (actual calculation validating as follows PITI XXXXXXXX% (Income XXXX + Positive rental income XXXX). - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Updated 1008 document uploaded, DTI matches the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119144 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXX on page#26 a clear fraud report is required. The fraud report in file pg#392 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XXXX<br>| Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119145 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan approval document missing in file, provided updated Loan approval Finding Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Loan Approval - Seller-XXXX <br>Open-loan / lender approval document is missing. Provide the loan/ lender approval document. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Loan Approval - Seller-XXXX<br>| Resolved-Loan approval document missing in file, provided updated Loan approval Finding Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119145 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleared Alerts in fraud report, provided Updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL 10.17.2025 page # 27 a clear fraud report is required. The fraud report in file (page # 280) is showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-There are Uncleared Alerts in fraud report, provided Updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119150 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Income worksheet attached - Seller-XXXX <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. XXXX for employer " XXXX " - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Income worksheet attached - Seller-XXXX<br>| Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119153 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-XXXX <br> Resolved- - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated Bank statement for reserves - Seller-XXXX <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of 6 month(s) Per GL XXXX matrix, a minimum of six months' reserves are required for Super Non-QM loans, and cash-out proceeds cannot be used to satisfy reserve requirements. Currently, no assets are reflected in Section 2 of the final 1003; however, assets have been updated based on recent bank statements in the file, which cover only XXXX months of reserves. Provide additional assets to meet the minimum reserve requirement. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated Bank statement for reserves - Seller-XXXX<br>| Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119153 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan approval doc provided. Resolved<br> - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Loan Approval - Seller-XXXX <br>Open-Provide loan approval document as it is missing from file./ - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Loan Approval - Seller-XXXX<br>| Resolved-Loan approval doc provided. Resolved<br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119153 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br> Open-Fraud Report Shows Uncleared Alerts Per the XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 323) is showing 1 medium uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119153 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Per the receipt # on the XXXX provided to them this is still in process - Seller-XXXX <br> Open-Borrower permanent resident card has an expiration date of XXXX which is expired before the note date of XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Per the receipt # on the I797 provided to them this is still in process - Seller-XXXX<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119153 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title with updated coverage amount provided which covers loan amount, updated & condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated prelim showing correct coverage amount - Seller-XXXX <br> Open-Title Coverage Amount of XXXX is Less than Loan Amount Provide updated title document covering full loan amount as the one in file has coverage amount as XXXX which is less than the loan amount of XXXX - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated prelim showing correct coverage amount - Seller-XXXX<br>| Resolved-Requested updated title with updated coverage amount provided which covers loan amount, updated & condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119151 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report has Uncleared Alerts, provided Updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XXXX <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XXXX<br>| Resolved-Fraud Report has Uncleared Alerts, provided Updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119151 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. FNMA SSR - score pf 1.7 - Seller-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide secondary valuation, secondary valuation missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. XXXX - score pf 1.7 - Seller-XXXX | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119151 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 341 and the Final Closing disclosure on Pg 182, Finding reflects escrows. Rate lock date was entered correctly – see Pg 370. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg 142, and confirmation the appraisal was delivered to the borrower – see Pg 241, 141. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX |  | Resolved- - Due Diligence Vendor-XXXX <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 341 and the Final Closing disclosure on Pg 182, Finding reflects escrows. Rate lock date was entered correctly – see Pg 370. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg 142, and confirmation the appraisal was delivered to the borrower – see Pg 241, 141. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119154 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Mavent | XXXX Fee Not Allowed- Loan Discount Fee (Fee ID: 999) | Resolved- - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Seller Certificate - Seller-XXXX <br> Open-Section 3:1-16.2 of the XXXX does not allow Loan Discount Fee (Fee ID: 999) to be charged to the Borrower in XXXX. Points - Loan Discount Fee paid by Borrower: XXXX<br> Section 3:1-16.2 of the XXXX does not allow Loan Discount Fee (Fee ID: 999) to be charged to the Borrower in XXXX. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Seller Certificate - Seller-XXXX<br>|  | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119154 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Exception approval uploaded - Due Diligence Vendor-XXXX <br>Ready for Review- - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Exception approval - Seller-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Verified only 7 months housing history from Supplemental credit report page 347, Please provide 12 months housing history. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Exception approval - Seller-XXXX<br>| Resolved-Exception approval uploaded - Due Diligence Vendor-XXXX<br>| XXXX |  | 80% LTV is below the maximum 85% LTV by 5%.<br> 15.02% DTI is below the maximum 45% DTI by 29.98%.<br> XXXX reserves exceed the minimum required of XXXX exceeds the minimum by XXXX months over the required minimum.<br> Borrower has XXXX residual income after all expenses. Minimum required per guideline is XXXX.<br> Borrower has been employed at current job for XXXX years. | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119154 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared report provided for fraud alerts, updated & condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-XXXX <br> Open-Fraud Report Shows Uncleared Alerts Per the GL XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 478) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XXXX<br>| Resolved-Requested alerts cleared report provided for fraud alerts, updated & condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350119130 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-LOX provided showing borrower has joint access for the accountXXXX. - Due Diligence Vendor-XXXX <br> Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Required borrower access letter to use funds from XXXX, as its is with another person along with borrower name. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-LOX provided showing borrower has joint access for the XXXX. - Due Diligence Vendor-XXXX <br> Resolved-Validation Resolved' - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119130 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Requested Final Settlement statement provided, updated & condition resolved.<br> - Due Diligence Vendor-XXXX <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Final HUD-1 Document is Missing. HUD-1 Settlement statement is missing, hence considered details from estimated settlement statement which is on pg#399 - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Requested Final Settlement statement provided, updated & condition resolved.<br> - Due Diligence Vendor-XXXX <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119130 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-XXXX <br>Ready for Review-DSCR - not required - Seller-XXXX <br>Open-The Initial 1003 is Missing Missing Initial 1003 in the file. - Due Diligence Vendor-XXXX | Ready for Review-DSCR - not required - Seller-XXXX<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350119131 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s238 and the Final Closing disclosure on Pg#'s 117, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 243 An interior and exterior appraisal was completed for this property – see pg# 47, 64, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 288, and confirmation the appraisal was delivered to the borrower – see Pg#'s 165. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s238 and the Final Closing disclosure on Pg#'s 117, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 243 An interior and exterior appraisal was completed for this property – see pg# 47, 64, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 288, and confirmation the appraisal was delivered to the borrower – see Pg#'s 165. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |

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## Exhibit 99.44

**Exhibit 99.44**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

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| **Deal ID** | **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** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 4350119137 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119142 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1 | XXXX |
| 4350119141 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX Eligible |  | XXXX |
| 4350119161 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.4 | XXXX |
| 4350119159 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119138 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119147 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX Eligible |  | XXXX |
| 4350119164 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.4 | XXXX |
| 4350119135 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1 | XXXX |
| 4350119133 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.4 | XXXX |
| 4350119134 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX Eligible |  | XXXX |
| 4350119174 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.4 | XXXX |
| 4350119168 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1 | XXXX |
| 4350119166 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1 | XXXX |
| 4350119169 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119171 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.2 | XXXX |
| 4350119170 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119136 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.2 | XXXX |
| 4350119140 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1 | XXXX |
| 4350119132 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX Eligible |  | XXXX |
| 4350119165 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1 | XXXX |
| 4350119158 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1 | XXXX |
| 4350119160 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119127 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | Stewart | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119139 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119128 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | Stewart | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119125 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | Stewart | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119148 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1 | XXXX |
| 4350119126 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | Stewart | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119173 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1 | XXXX |
| 4350119167 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 4 | XXXX |
| 4350119163 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.1 | XXXX |
| 4350119172 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.5 | XXXX |
| 4350119157 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119143 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.1 | XXXX |
| 4350119162 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119144 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119146 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.3 | XXXX |
| 4350119145 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1 | XXXX |
| 4350119150 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119153 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | CLEAR CAPITAL | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119151 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.7 | XXXX |
| 4350119149 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | CLEARCAPITAL | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119154 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1 | XXXX |
| 4350119130 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119131 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.6 | XXXX |
| 4350119152 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |
| 4350119129 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |

---

## Exhibit 99.45

**Exhibit 99.45**

[COLT SECURITIZATION DEPOSITOR, LLC abs-15g](colt-abs15g.htm)

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 4350119137 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119137 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119142 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119142 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119142 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119142 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119141 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119141 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119161 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119161 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119159 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119159 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119159 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119138 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119138 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119138 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119138 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119138 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119147 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119147 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119164 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119135 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119135 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119135 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119133 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119133 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119133 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119133 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119133 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119168 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119168 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119168 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119166 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119166 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119166 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119169 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119169 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119170 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119170 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119170 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119170 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119170 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119136 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119136 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119140 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119132 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119132 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119132 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119132 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119132 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119158 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119158 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119158 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119160 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119160 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119139 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119139 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119139 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119128 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119128 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119125 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119148 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119148 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119148 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119148 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119126 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119167 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119167 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119167 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119167 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119163 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119163 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119172 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119172 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119157 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119157 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119143 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119143 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119162 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119162 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119162 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119162 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119162 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119162 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119162 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119162 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119144 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119144 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119144 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119146 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119146 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119146 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119146 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119145 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119145 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119145 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119150 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119153 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119149 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119154 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119154 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119152 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119129 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350119129 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |

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