# EDGAR Filing Document

**Accession Number:** 0001781495
**File Stem:** 0001104659-23-010998
**Filing Date:** 2023-2
**Character Count:** 4104635
**Document Hash:** 7cd57b4d6e73d452e4d45765babdd8dd
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-23-010998.hdr.sgml**: 20230206

**ACCESSION NUMBER**: 0001104659-23-010998

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

**PUBLIC DOCUMENT COUNT**: 69

**CONFORMED PERIOD OF REPORT**: 20230206

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

**FILED AS OF DATE**: 20230206

**DATE AS OF CHANGE**: 20230206

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor, LLC
- **CENTRAL INDEX KEY:** 0001781495
- **IRS NUMBER:** 842208933
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04604
- **FILM NUMBER:** 23589111

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor, LLC
- **CENTRAL INDEX KEY:** 0001781495
- **IRS NUMBER:** 842208933
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor, LLC
- **CENTRAL INDEX KEY:** 0001781495
- **IRS NUMBER:** 842208933
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04604

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

____ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period

<u> </u> to<u> </u>

Date of Report (Date of earliest event reported)<u> </u>

Commission File Number of securitizer:<u> </u>

Central Index Key Number of securitizer:<u> </u>

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

contact in connection with this filing.

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

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

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

[X] Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0001781495

**Verus Securitization Trust 2023-INV1**

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

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

Robert Konigsberg

(202) 534-1815

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 15Ga-1 Representations and Warranties Disclosure**

N/A

**Item 1.02 Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure**

N/A

**Item 1.03 Notice of Termination of Duty to File Reports under Rule 15Ga-1**

N/A

**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**

N/A

**EXHIBIT INDEX**

[99.1](tm234610d1_ex99-1.htm) [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm234610d1_ex99-1.htm)

[99.2](tm234610d1_ex99-2.htm) [AMC Data Compare Report](tm234610d1_ex99-2.htm)

[99.3](tm234610d1_ex99-3.htm) [AMC Exception Grades](tm234610d1_ex99-3.htm)

[99.4](tm234610d1_ex99-4.htm) [AMC Rating Agency Grades](tm234610d1_ex99-4.htm)

[99.5](tm234610d1_ex99-5.htm) [AMC Valuation Report](tm234610d1_ex99-5.htm)

[99.6](tm234610d1_ex99-6.htm) [AMC Supplemental Data](tm234610d1_ex99-6.htm)

[99.7](tm234610d1_ex99-7.htm) [AMC Tax and Title Report](tm234610d1_ex99-7.htm)

[99.8](tm234610d1_ex99-8.htm) [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm234610d1_ex99-8.htm)

[99.9](tm234610d1_ex99-9.htm) [Clayton Conditions Report](tm234610d1_ex99-9.htm)

[99.10](tm234610d1_ex99-10.htm) [Clayton Loan Level Tape Compare Upload](tm234610d1_ex99-10.htm)

[99.11](tm234610d1_ex99-11.htm) [Clayton Non ATR QM Upload](tm234610d1_ex99-11.htm)

[99.12](tm234610d1_ex99-12.htm) [Clayton Rating Agency Grades Report](tm234610d1_ex99-12.htm)

[99.13](tm234610d1_ex99-13.htm) [Clayton Valuations Summary](tm234610d1_ex99-13.htm)

[99.14](tm234610d1_ex99-14.htm) [Covius Real Estate Services, LLC ("CRES") Executive Summary](tm234610d1_ex99-14.htm)

[99.15](tm234610d1_ex99-15.htm) [CRES Rating Agency Exceptions Report](tm234610d1_ex99-15.htm)

[99.16](tm234610d1_ex99-16.htm) [CRES Rating Agency Grades Report](tm234610d1_ex99-16.htm)

[99.17](tm234610d1_ex99-17.htm) [CRES Rating Agency Tape Compare Report](tm234610d1_ex99-17.htm)

[99.18](tm234610d1_ex99-18.htm) [CRES ATR QM Data Fields](tm234610d1_ex99-18.htm)

[99.19](tm234610d1_ex99-19.htm) [CRES Rating Agency Valuation Report](tm234610d1_ex99-19.htm)

[99.20](tm234610d1_ex99-20.htm) [Infinity IPS, Inc. ("Infinity") Executive Summary](tm234610d1_ex99-20.htm)

[99.21](tm234610d1_ex99-21.htm) [Infinity Findings Detail Report](tm234610d1_ex99-21.htm)

[99.22](tm234610d1_ex99-22.htm) [Infinity Rating Agency Grades Report](tm234610d1_ex99-22.htm)

[99.23](tm234610d1_ex99-23.htm) [Infinity Data Compare Report](tm234610d1_ex99-23.htm)

[99.24](tm234610d1_ex99-24.htm) [Infinity ATR QM Report](tm234610d1_ex99-24.htm)

[99.25](tm234610d1_ex99-25.htm) [Infinity Valuation Report](tm234610d1_ex99-25.htm)

[99.26](tm234610d1_ex99-26.htm) [Digital Risk, LLC ("Digital Risk") Executive Summary](tm234610d1_ex99-26.htm)

[99.27](tm234610d1_ex99-27.htm) [Digital Risk Exception Report](tm234610d1_ex99-27.htm)

[99.28](tm234610d1_ex99-28.htm) [Digital Risk Rating Agency Grades](tm234610d1_ex99-28.htm)

[99.29](tm234610d1_ex99-29.htm) [Digital Risk Data Integrity Report](tm234610d1_ex99-29.htm)

[99.30](tm234610d1_ex99-30.htm) [Digital Risk QM Status Report](tm234610d1_ex99-30.htm)

[99.31](tm234610d1_ex99-31.htm) [Digital Risk Valuation Report](tm234610d1_ex99-31.htm)

[99.32](tm234610d1_ex99-32.htm) [Evolve Mortgage Services ("Evolve") Executive Summary](tm234610d1_ex99-32.htm)

[99.33](tm234610d1_ex99-33.htm) [Evolve Exception Detail](tm234610d1_ex99-33.htm)

[99.34](tm234610d1_ex99-34.htm) [Evolve Rating Agency Grades](tm234610d1_ex99-34.htm)

[99.35](tm234610d1_ex99-35.htm) [Evolve Data Compare](tm234610d1_ex99-35.htm)

[99.36](tm234610d1_ex99-36.htm) [Evolve QM ATR Data](tm234610d1_ex99-36.htm)

[99.37](tm234610d1_ex99-37.htm) [Evolve Valuation Report](tm234610d1_ex99-37.htm)

[99.38](tm234610d1_ex99-38.htm) [Clarifii LLC ("Clarifii") Executive Summary](tm234610d1_ex99-38.htm)

[99.39](tm234610d1_ex99-39.htm) [Clarifii Rating Agency Grades Detail Report](tm234610d1_ex99-39.htm)

[99.40](tm234610d1_ex99-40.htm) [Clarifii Rating Agency Grades Summary Report](tm234610d1_ex99-40.htm)

[99.41](tm234610d1_ex99-41.htm) [Clarifii Data Compare Report](tm234610d1_ex99-41.htm)

[99.42](tm234610d1_ex99-42.htm) [Clarifii ATR QM Report](tm234610d1_ex99-42.htm)

[99.43](tm234610d1_ex99-43.htm) [Clarifii Valuation Report](tm234610d1_ex99-43.htm)

[99.44](tm234610d1_ex99-44.htm) [Consolidated Analytics, Inc. ("Consolidated Analytics) Due Diligence Executive Summary](tm234610d1_ex99-44.htm)

[99.45](tm234610d1_ex99-45.htm) [Consolidated Analytics Exception Grades Report](tm234610d1_ex99-45.htm)

[99.46](tm234610d1_ex99-46.htm) [Consolidated Analytics Data Compare Report](tm234610d1_ex99-46.htm)

[99.47](tm234610d1_ex99-47.htm) [Consolidated Analytics Grading Summary Report](tm234610d1_ex99-47.htm)

[99.48](tm234610d1_ex99-48.htm) [Consolidated Analytics ATR QM Report](tm234610d1_ex99-48.htm)

[99.49](tm234610d1_ex99-49.htm) [Consolidated Analytics Valuations Summary Report](tm234610d1_ex99-49.htm)

**SIGNATURE**

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.

Date: February 6, 2023

VMC ASSET DEPOSITOR, LLC

---

| | | |
|:---|:---|:---|
| By: | /s/ | Robert Konigsberg |
|  | Name: | Robert Konigsberg |
|  | Title: | Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1**

**Amc Diligence, Llc (Amc) Due Diligence Executive Summary**

![](tm234610d1_ex99-1img001.jpg)

------

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans originated by multiple correspondent lenders and acquired directly (or indirectly through Delaware statutory trusts) on a flow or mini-bulk basis by VMC Asset Pooler, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter loans the time of an initial review performed for such party, was conducted from January 2022 through December 2022 on mortgage loans with origination dates from December 2021 through December 2022 via files imaged and provided by the Client for review. The Review includes loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained four hundred ninety (490) mortgage loans totaling an aggregate original principal balance of approximately $192.681 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), Kroll Bond Rating Agency, LLC ("KBRS"), and S&P Global Ratings ("S&P").

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

AMC compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all Loans during the Review) and relevant for the Scope in question, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Interest Rate |  |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount |  |

---

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

Of specific note, all four hundred ninety (490) were considered Business Purpose/Property Focused Investor Loans, and four hundred forty-three (443) mortgage loans had a DSCR calculation. The remaining forty-seven (47) mortgage loans were considered No Ratio loans with no DSCR calculation.

**<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:

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▪ 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 adherence 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 adhere 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 completed fields and verifying that the handwritten 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.

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

▪ Gathering the components of the DSCR
from source documentation provided in the loan file during the course of the review. Where applicable, AMC sums per the guidelines the
principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used
as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

---

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

---

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

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

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

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

Not applicable.

**<u>(8) Other: review and methodology.</u>**

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

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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 AND CONCLUSIONS** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed in the Form ABS Due Diligence-15E, DBRS, Inc. and S&P Global Ratings.

**OVERALL REVIEW RESULTS SUMMARY** 

Of the four hundred ninety (490) mortgage loans reviewed, all four hundred ninety (490) mortgage loans (100.00%) received an overall "A" or "B" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;Final Loan Grade | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;166 | &nbsp;&nbsp;33.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;324 | &nbsp;&nbsp;66.12% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**490** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All four hundred ninety (490) mortgage loans reviewed received an "A" or "B" credit grade, and one hundred and sixty-six (166) mortgage loans or 33.88% received an "A" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;166 | &nbsp;&nbsp;33.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;324 | &nbsp;&nbsp;66.12% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**490** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Of the four hundred ninety (490) mortgage loans reviewed under the applicable Kroll rating criteria, all four hundred ninety (490) mortgage loans (100%) have a property grade of "B" or higher.

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![](tm234610d1_ex99-1img001.jpg)

------

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Kroll - Property Loan Grades** | &nbsp;&nbsp;**Kroll - Property Loan Grades** | &nbsp;&nbsp;**Kroll - Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;482 | &nbsp;&nbsp;98.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.63% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**490** | &nbsp;&nbsp;**100.00%** |

---

Of the four hundred ninety (490) mortgage loans reviewed under the applicable S&P rating criteria, all four hundred ninety (490) mortgage loans (100%) have a property grade of "B" or higher.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P - Property Loan Grades** | &nbsp;&nbsp;**S&P - Property Loan Grades** | &nbsp;&nbsp;**S&P - Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;481 | &nbsp;&nbsp;98.16% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.84% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**490** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY** 

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Kroll Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;447 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;37 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Document Error | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;System | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Investment Product | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***670*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**670** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Collateral | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**8** |

---

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![](tm234610d1_ex99-1img001.jpg)

------

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp; **678** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;447 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;37 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Document Error | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;System | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Investment Product | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***670*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**670** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Collateral | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**679** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the four hundred ninety (490) mortgage loans reviewed, four hundred eighty-seven (487) unique Loans had one thousand two hundred ninety-two (1,292) different tape discrepancies across thirty-four (34) data fields (some Loans had more than one data delta). The largest variances were found on Borrower Last Name, Cash From Borrower and Cash To Borrower and where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;25 | &nbsp;&nbsp;488 | &nbsp;&nbsp;5.12% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;17 | &nbsp;&nbsp;385 | &nbsp;&nbsp;4.42% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;490 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;112 | &nbsp;&nbsp;0.89% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;67 | &nbsp;&nbsp;490 | &nbsp;&nbsp;13.67% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;15 | &nbsp;&nbsp;349 | &nbsp;&nbsp;4.30% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;4 | &nbsp;&nbsp;273 | &nbsp;&nbsp;1.47% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;219 | &nbsp;&nbsp;490 | &nbsp;&nbsp;44.69% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;10 | &nbsp;&nbsp;246 | &nbsp;&nbsp;4.07% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;217 | &nbsp;&nbsp;385 | &nbsp;&nbsp;56.36% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;146 | &nbsp;&nbsp;174 | &nbsp;&nbsp;83.91% | &nbsp;&nbsp;490 |

---

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![](tm234610d1_ex99-1img001.jpg)

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;City | &nbsp;&nbsp;15 | &nbsp;&nbsp;489 | &nbsp;&nbsp;3.07% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;27 | &nbsp;&nbsp;292 | &nbsp;&nbsp;9.25% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;63 | &nbsp;&nbsp;283 | &nbsp;&nbsp;22.26% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;105 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;4 | &nbsp;&nbsp;385 | &nbsp;&nbsp;1.04% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;1 | &nbsp;&nbsp;83 | &nbsp;&nbsp;1.20% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;22 | &nbsp;&nbsp;103 | &nbsp;&nbsp;21.36% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;18 | &nbsp;&nbsp;26 | &nbsp;&nbsp;69.23% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;490 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;20 | &nbsp;&nbsp;51 | &nbsp;&nbsp;39.22% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;232 | &nbsp;&nbsp;6.03% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;105 | &nbsp;&nbsp;0.95% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;385 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;28 | &nbsp;&nbsp;385 | &nbsp;&nbsp;7.27% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;12 | &nbsp;&nbsp;490 | &nbsp;&nbsp;2.45% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;29 | &nbsp;&nbsp;490 | &nbsp;&nbsp;5.92% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;29 | &nbsp;&nbsp;490 | &nbsp;&nbsp;5.92% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;217 | &nbsp;&nbsp;0.92% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;490 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;7 | &nbsp;&nbsp;449 | &nbsp;&nbsp;1.56% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;385 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;84 | &nbsp;&nbsp;359 | &nbsp;&nbsp;23.40% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;490 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;11 | &nbsp;&nbsp;174 | &nbsp;&nbsp;6.32% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;44 | &nbsp;&nbsp;474 | &nbsp;&nbsp;9.28% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;2 | &nbsp;&nbsp;481 | &nbsp;&nbsp;0.42% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;44 | &nbsp;&nbsp;489 | &nbsp;&nbsp;9.00% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;92 | &nbsp;&nbsp;481 | &nbsp;&nbsp;19.13% | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1292** | &nbsp;&nbsp;**13261** | &nbsp;&nbsp;**9.74%** | &nbsp;&nbsp;**490** |

---

**ADDITIONAL 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;439 | &nbsp;&nbsp;89.59% | &nbsp;&nbsp;$172024349.50 | &nbsp;&nbsp;89.28% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;51 | &nbsp;&nbsp;10.41% | &nbsp;&nbsp;$20656909.00 | &nbsp;&nbsp;10.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**490** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$192681258.50** | &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;490 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$192681258.50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**490** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$192681258.50** | &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: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;206 | &nbsp;&nbsp;42.04% | &nbsp;&nbsp;$76655152.00 | &nbsp;&nbsp;39.78% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.04% | &nbsp;&nbsp;$4641200.00 | &nbsp;&nbsp;2.41% |

---

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![](tm234610d1_ex99-1img001.jpg)

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;240 | &nbsp;&nbsp;48.98% | &nbsp;&nbsp;$96225916.50 | &nbsp;&nbsp;49.94% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;34 | &nbsp;&nbsp;6.94% | &nbsp;&nbsp;$15158990.00 | &nbsp;&nbsp;7.87% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**490** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$192681258.50** | &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;478 | &nbsp;&nbsp;97.55% | &nbsp;&nbsp;$187216074.50 | &nbsp;&nbsp;97.16% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.45% | &nbsp;&nbsp;$5465184.00 | &nbsp;&nbsp;2.84% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**490** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$192681258.50** | &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;220 | &nbsp;&nbsp;44.90% | &nbsp;&nbsp;$91711502.00 | &nbsp;&nbsp;47.60% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;53 | &nbsp;&nbsp;10.82% | &nbsp;&nbsp;$18455096.00 | &nbsp;&nbsp;9.58% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;16 | &nbsp;&nbsp;3.27% | &nbsp;&nbsp;$6194125.00 | &nbsp;&nbsp;3.21% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;13 | &nbsp;&nbsp;2.65% | &nbsp;&nbsp;$5168425.00 | &nbsp;&nbsp;2.68% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;71 | &nbsp;&nbsp;14.49% | &nbsp;&nbsp;$26625182.50 | &nbsp;&nbsp;13.82% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.45% | &nbsp;&nbsp;$2400825.00 | &nbsp;&nbsp;1.25% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;52 | &nbsp;&nbsp;10.61% | &nbsp;&nbsp;$18805000.00 | &nbsp;&nbsp;9.76% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;18 | &nbsp;&nbsp;3.67% | &nbsp;&nbsp;$9523400.00 | &nbsp;&nbsp;4.94% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.84% | &nbsp;&nbsp;$2693750.00 | &nbsp;&nbsp;1.40% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.84% | &nbsp;&nbsp;$3515625.00 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;17 | &nbsp;&nbsp;3.47% | &nbsp;&nbsp;$7588328.00 | &nbsp;&nbsp;3.94% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**490** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$192681258.50** | &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;Investment | &nbsp;&nbsp;490 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$192681258.50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**490** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$192681258.50** | &nbsp;&nbsp;**100.00%** |

---

8 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2**

**AMC Data Compare REPORT**

![](image_001.gif)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxxxx | 761431 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 761431 | xxxxxx | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 764269 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 764269 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 764269 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 764269 | xxxxxx | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 766354 | xxxxxx | Cash To Borrower | 0 | 16957.67 | Verified | Field value reflects source document |
| xxxxxx | 766428 | xxxxxx | Cash From Borrower | 0 | 130493.74 | Verified | Field value reflects source document |
| xxxxxx | 766442 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 766442 | xxxxxx | Cash From Borrower | 0 | 267197.35 | Verified | Field value reflects source document |
| xxxxxx | 766374 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 766374 | xxxxxx | Representative FICO | 740 | 785 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 766393 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 766393 | xxxxxx | Cash From Borrower | 0 | 104722.1 | Verified | Field value reflects source document |
| xxxxxx | 766435 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 766435 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 766429 | xxxxxx | Borrower SSN | xxxxxx |  | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 766429 | xxxxxx | Cash To Borrower | 0 | 195354.99 | Verified | Field value reflects source document |
| xxxxxx | 766467 | xxxxxx | Representative FICO | 783 | 771 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 766452 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 766477 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 766477 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 766425 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 766425 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 766425 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 766425 | xxxxxx | Original CLTV | 72.32 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 766425 | xxxxxx | Original LTV | 72.32 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 766425 | xxxxxx | Interest Rate Life Floor | 5.375 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 766425 | xxxxxx | Cash From Borrower | 0 | 358903.1 | Verified | Unable to verify due to missing information |
| xxxxxx | 766482 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 766482 | xxxxxx | # of Units | 4 | 2 | Verified | Field value reflects source document |
| xxxxxx | 765989 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 765989 | xxxxxx | Cash From Borrower | 0 | 78056.37 | Verified | Field value reflects source document |
| xxxxxx | 764331 | xxxxxx | Representative FICO | 757 | 771 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 764331 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 766128 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 766128 | xxxxxx | Representative FICO | 707 | 801 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 766128 | xxxxxx | Original CLTV | 46.8 | 72.13 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 767462 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 767462 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 767462 | xxxxxx | Property Type | Mixed Use | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 767462 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 767462 | xxxxxx | # of Units | 1 | 6 | Verified | Field value reflects source document |
| xxxxxx | 767462 | xxxxxx | Cash To Borrower | 250000 | 233700.27 | Verified | Field value reflects source document |
| xxxxxx | 768982 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 767195 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 767195 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 767195 | xxxxxx | Cash From Borrower | 0 | 205194.21 | Verified | Field value reflects source document |
| xxxxxx | 768173 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 768173 | xxxxxx | Original CLTV | 71.53 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 768173 | xxxxxx | Original LTV | 71.53 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 767192 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 767192 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 767192 | xxxxxx | Cash To Borrower | 126785 | 96746.42 | Verified | Field value reflects source document |
| xxxxxx | 768308 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 768308 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 768308 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 768308 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 768308 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 768308 | xxxxxx | Cash To Borrower | 614000 | 563847.05 | Verified | Field value reflects source document |
| xxxxxx | 768308 | xxxxxx | Original CLTV | 69.78 | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 768308 | xxxxxx | Original LTV | 69.78 | 65 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 768170 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 768170 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 770654 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Lender provided corrected Note post review. |
| xxxxxx | 770654 | xxxxxx | # of Units | 4 | 3 | Verified | Field value reflects source document |
| xxxxxx | 770654 | xxxxxx | Cash To Borrower | 0 | 254098.27 | Verified | Field value reflects source document |
| xxxxxx | 770518 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 770515 | xxxxxx | Interest Rate Life Floor | 5.99 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 770502 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 770502 | xxxxxx | Interest Rate Life Floor | 5.99 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 770597 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 770597 | xxxxxx | Cash From Borrower | 0 | 167770.27 | Verified | Field value reflects source document |
| xxxxxx | 767154 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 767154 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 767154 | xxxxxx | Cash To Borrower | 30000 | 54929.85 | Verified | Field value reflects source document |
| xxxxxx | 772042 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 771578 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 771578 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 771578 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 769761 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 769761 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 769761 | xxxxxx | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 769761 | xxxxxx | Cash To Borrower | 0 | 86963.01 | Verified | Field value reflects source document |
| xxxxxx | 769761 | xxxxxx | Original CLTV | 80 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 769761 | xxxxxx | Original LTV | 80 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 770994 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 770994 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 770994 | xxxxxx | Cash From Borrower | 0 | 74524.66 | Verified | Field value reflects source document |
| xxxxxx | 772419 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 772419 | xxxxxx | Cash To Borrower | 0 | 102417.6 | Verified | Field value reflects source document |
| xxxxxx | 769465 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 769465 | xxxxxx | Cash From Borrower | 0 | 177926.02 | Verified | Field value reflects source document |
| xxxxxx | 772682 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 772682 | xxxxxx | Cash To Borrower | 200000 | 331472.65 | Verified | Field value reflects source document |
| xxxxxx | 770522 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 770522 | xxxxxx | Representative FICO | 797 | 764 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 770522 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 770522 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 770522 | xxxxxx | Cash From Borrower | 0 | 60318.28 | Verified | Field value reflects source document |
| xxxxxx | 770318 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 770318 | xxxxxx | Representative FICO | 727 | 673 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 770318 | xxxxxx | Cash To Borrower | 250000 | 451341.47 | Verified | Field value reflects source document |
| xxxxxx | 771473 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 771473 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 771473 | xxxxxx | Cash From Borrower | 0 | 9421.69 | Verified | Field value reflects source document |
| xxxxxx | 772177 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 772177 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 772177 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 772177 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 772177 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 772177 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 772177 | xxxxxx | Original Interest Rate | 7.875 | 7.25 | Verified | Field Value reflects the Note value |
| xxxxxx | 772177 | xxxxxx | Original CLTV | 80 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 772177 | xxxxxx | Original LTV | 80 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 772177 | xxxxxx | Cash From Borrower | 0 | 165402.91 | Verified | Field value reflects source document |
| xxxxxx | 772683 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 772683 | xxxxxx | Cash From Borrower | 0 | 381821.1 | Verified | Field value reflects source document |
| xxxxxx | 772807 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 772807 | xxxxxx | Representative FICO | 783 | 779 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 772807 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 772807 | xxxxxx | Cash From Borrower | 0 | 76684.75 | Verified | Field value reflects source document |
| xxxxxx | 773362 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773362 | xxxxxx | Cash To Borrower | 57000 | 41552.28 | Verified | Field value reflects source document |
| xxxxxx | 773425 | xxxxxx | Cash To Borrower | 33476.59 | 25034.33 | Verified | Field value reflects source document |
| xxxxxx | 773263 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 773263 | xxxxxx | Cash From Borrower | 0 | 216697.12 | Verified | Field value reflects source document |
| xxxxxx | 773422 | xxxxxx | Cash To Borrower | 305000 | 304468.9 | Verified | Field value reflects source document |
| xxxxxx | 773207 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773207 | xxxxxx | Cash From Borrower | 0 | 179943.26 | Verified | Field value reflects source document |
| xxxxxx | 773406 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773406 | xxxxxx | Cash From Borrower | 0 | 55043.83 | Verified | Field value reflects source document |
| xxxxxx | 773452 | xxxxxx | Cash To Borrower | 250000 | 274655.29 | Verified | Field value reflects source document |
| xxxxxx | 771814 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 771814 | xxxxxx | Cash From Borrower | 0 | 92004.72 | Verified | Field value reflects source document |
| xxxxxx | 774077 | xxxxxx | Representative FICO | 742 | 625 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 774077 | xxxxxx | Cash From Borrower | 0 | 165480.75 | Verified | Field value reflects source document |
| xxxxxx | 773410 | xxxxxx | Cash From Borrower | 0 | 70664.73 | Verified | Field value reflects source document |
| xxxxxx | 773451 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773451 | xxxxxx | Cash From Borrower | 0 | 140127.35 | Verified | Field value reflects source document |
| xxxxxx | 772788 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 772788 | xxxxxx | Representative FICO | 791 | 753 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 772788 | xxxxxx | Cash To Borrower | 480000 | 102709.48 | Verified | Field value reflects source document |
| xxxxxx | 772639 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 772639 | xxxxxx | Cash From Borrower | 0 | 82248.65 | Verified | Field value reflects source document |
| xxxxxx | 773245 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773245 | xxxxxx | Cash From Borrower | 0 | 7105.16 | Verified | Field value reflects source document |
| xxxxxx | 772712 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 772712 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 772712 | xxxxxx | Property Type | 4 Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772712 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 772712 | xxxxxx | # of Units | 4 | 2 | Verified | Field value reflects source document |
| xxxxxx | 772712 | xxxxxx | Cash To Borrower | 558000 | 542838.7 | Verified | Field value reflects source document |
| xxxxxx | 772712 | xxxxxx | Original CLTV | 49.87 | 53.14 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 772712 | xxxxxx | Original LTV | 49.87 | 53.14 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 772713 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 772713 | xxxxxx | Cash To Borrower | 470000 | 456157.56 | Verified | Field value reflects source document |
| xxxxxx | 774530 | xxxxxx | Cash From Borrower | 0 | 223845.1 | Verified | Field value reflects source document |
| xxxxxx | 772824 | xxxxxx | Borrower First Name | xxxxxx |  | Verified | Multiple Property Loan |
| xxxxxx | 772824 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Multiple Property Loan |
| xxxxxx | 772824 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Multiple Property Loan |
| xxxxxx | 772824 | xxxxxx | Representative FICO | 726 | 668 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 772824 | xxxxxx | Property Type | Single Family Detached |  | Verified | Multiple Property Loan |
| xxxxxx | 772824 | xxxxxx | Appraised Value | xxxxxx |  | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 772824 | xxxxxx | # of Units | 1 |  | Verified | Multiple Property Loan |
| xxxxxx | 772824 | xxxxxx | Cash To Borrower | 200000 | 546469.84 | Verified | Field value reflects source document |
| xxxxxx | 772824 | xxxxxx | Original CLTV | 68.35 | 70 | Verified | Multiple Property Loan |
| xxxxxx | 772824 | xxxxxx | Original LTV | 68.35 | 70 | Verified | Multiple Property Loan |
| xxxxxx | 772982 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 772982 | xxxxxx | Representative FICO | 750 | 698 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 772982 | xxxxxx | Cash From Borrower | 0 | 442732.04 | Verified | Field value reflects source document |
| xxxxxx | 773238 | xxxxxx | Cash To Borrower | 140000 | 114111.71 | Verified | Field value reflects source document |
| xxxxxx | 773593 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 773593 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773593 | xxxxxx | Cash To Borrower | 0 | 33536.34 | Verified | Field value reflects source document |
| xxxxxx | 773593 | xxxxxx | Interest Rate Life Floor | 6.99 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the ARM rider |
| xxxxxx | 773559 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773559 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773559 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 773559 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773559 | xxxxxx | Interest Rate Life Floor | 6.99 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 773559 | xxxxxx | Cash From Borrower | 0 | 217356.47 | Verified | Field value reflects source document |
| xxxxxx | 772890 | xxxxxx | Cash From Borrower | 0 | 80860.01 | Verified | Field value reflects source document |
| xxxxxx | 772525 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 772525 | xxxxxx | Cash From Borrower | 0 | 73502.13 | Verified | Field value reflects source document |
| xxxxxx | 772229 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 772229 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 772229 | xxxxxx | Cash From Borrower | 0 | 88339.51 | Verified | Field value reflects source document |
| xxxxxx | 775932 | xxxxxx | Borrower SSN | xxxxxx |  | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 775932 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 775932 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775932 | xxxxxx | Cash To Borrower | 0 | 200221.65 | Verified | Field value reflects source document |
| xxxxxx | 774029 | xxxxxx | Cash From Borrower | 0 | 172709.45 | Verified | Field value reflects source document |
| xxxxxx | 775565 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775565 | xxxxxx | Cash From Borrower | 0 | 230953.42 | Verified | Field value reflects source document |
| xxxxxx | 773786 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 773786 | xxxxxx | Cash To Borrower | 409591 | 381038.05 | Verified | Field value reflects source document |
| xxxxxx | 776163 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776163 | xxxxxx | Cash From Borrower | 0 | 32720.65 | Verified | Field value reflects source document |
| xxxxxx | 771766 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 771766 | xxxxxx | # of Units | 5 | 7 | Verified | Field value reflects source document |
| xxxxxx | 771766 | xxxxxx | Cash From Borrower | 0 | 242280.19 | Verified | Field value reflects source document |
| xxxxxx | 774723 | xxxxxx | Cash From Borrower | 0 | 521562.34 | Verified | Field value reflects source document |
| xxxxxx | 775564 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 775564 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775564 | xxxxxx | Index Type | US Treasury - 1 Year CMT (Monthly) | US Treasury - 1 Year CMT (Weekly) | Verified | Field Value reflects 'Index Type' per the Note |
| xxxxxx | 775564 | xxxxxx | Cash To Borrower | 0 | 327747.39 | Verified | Field value reflects source document |
| xxxxxx | 775564 | xxxxxx | Interest Rate Life Floor | 0 | 2.75 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 776406 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776406 | xxxxxx | Borrower SSN | xxxxxx |  | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 776406 | xxxxxx | Cash To Borrower | 0 | 44606.02 | Verified | Field value reflects source document |
| xxxxxx | 776438 | xxxxxx | Borrower SSN | xxxxxx |  | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 776438 | xxxxxx | Original P&I | xxxxxx | xxxxxx | Verified | Field Value reflects Note value |
| xxxxxx | 776438 | xxxxxx | Cash To Borrower | 0 | 200739.42 | Verified | Field value reflects source document |
| xxxxxx | 774501 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774501 | xxxxxx | Cash From Borrower | 0 | 280276.37 | Verified | Field value reflects source document |
| xxxxxx | 773862 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 773862 | xxxxxx | Representative FICO | 685 | 694 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 773862 | xxxxxx | Property Type | Condotel | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773862 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773862 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 773862 | xxxxxx | Cash From Borrower | 0 | 108856.68 | Verified | Field value reflects source document |
| xxxxxx | 776155 | xxxxxx | Cash To Borrower | 0 | 18687.16 | Verified | Field value reflects source document |
| xxxxxx | 776155 | xxxxxx | Interest Rate Life Floor | 8.5 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 775621 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 775621 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 775621 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775621 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775621 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 775621 | xxxxxx | Interest Rate Life Floor | 8.5 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 775621 | xxxxxx | Cash From Borrower | 0 | 176822.5 | Verified | Field value reflects source document |
| xxxxxx | 774770 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 774770 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774770 | xxxxxx | Cash To Borrower | 212572 | 147551.08 | Verified | Field value reflects source document |
| xxxxxx | 775941 | xxxxxx | Cash To Borrower | 0 | 211396.76 | Verified | Field value reflects source document |
| xxxxxx | 775941 | xxxxxx | Interest Rate Life Floor | 9.5 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 776280 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776280 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776280 | xxxxxx | Cash To Borrower | 490000 | 494136.96 | Verified | Field value reflects source document |
| xxxxxx | 774909 | xxxxxx | Cash From Borrower | 0 | 124666.45 | Verified | Field value reflects source document |
| xxxxxx | 775981 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 775981 | xxxxxx | Representative FICO | 742 | 746 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 775981 | xxxxxx | Cash To Borrower | 100000 | 37105.47 | Verified | Field value reflects source document |
| xxxxxx | 774938 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 774938 | xxxxxx | Representative FICO | 723 | 741 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 774938 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value reflects Approval/AUS value |
| xxxxxx | 774938 | xxxxxx | Cash From Borrower | 0 | 125113.54 | Verified | Field value reflects source document |
| xxxxxx | 774207 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 774207 | xxxxxx | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 774207 | xxxxxx | Cash To Borrower | 223000 | 303466.5 | Verified | Field value reflects source document |
| xxxxxx | 776394 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 776394 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776394 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 776394 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776394 | xxxxxx | Cash To Borrower | 0 | 383136.16 | Verified | Field value reflects source document |
| xxxxxx | 776394 | xxxxxx | Original CLTV | 65 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 776394 | xxxxxx | Original LTV | 65 | 70 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 776394 | xxxxxx | Interest Rate Life Floor | 8.75 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 775628 | xxxxxx | Interest Rate Life Floor | 8.5 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 775628 | xxxxxx | Cash From Borrower | 0 | 249008.43 | Verified | Field value reflects source document |
| xxxxxx | 774789 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 774789 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 774789 | xxxxxx | Borrower SSN | xxxxxx |  | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 774789 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774789 | xxxxxx | Cash From Borrower | 0 | 382910.18 | Verified | Field value reflects source document |
| xxxxxx | 775908 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 775908 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775908 | xxxxxx | Cash From Borrower | 0 | 681210.56 | Verified | Field value reflects source document |
| xxxxxx | 776965 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 776965 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776965 | xxxxxx | Cash To Borrower | 1000 | 187678.13 | Verified | Field value reflects source document |
| xxxxxx | 776965 | xxxxxx | Original CLTV | 62.79 | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 776965 | xxxxxx | Original LTV | 62.79 | 65 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 775622 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 775622 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 775622 | xxxxxx | Original Interest Rate | 8.5 | 8 | Verified | Field Value reflects the Note value |
| xxxxxx | 775622 | xxxxxx | Interest Rate Life Floor | 8.5 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 775622 | xxxxxx | Cash From Borrower | 0 | 189037.03 | Verified | Field value reflects source document |
| xxxxxx | 775623 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 775623 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 775623 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775623 | xxxxxx | Interest Rate Life Floor | 8.5 | 0 | Verified | Unable to verify due to missing information |
| xxxxxx | 775623 | xxxxxx | Cash From Borrower | 0 | 116180.27 | Verified | Field value reflects source document |
| xxxxxx | 777063 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 777063 | xxxxxx | Cash From Borrower | 0 | 106387.24 | Verified | Field value reflects source document |
| xxxxxx | 777279 | xxxxxx | # of Units | 4 | 2 | Verified | Field value reflects source document |
| xxxxxx | 777279 | xxxxxx | Cash To Borrower | 0 | 271097.22 | Verified | Field value reflects source document |
| xxxxxx | 777280 | xxxxxx | # of Units | 4 | 2 | Verified | Field value reflects source document |
| xxxxxx | 777280 | xxxxxx | Cash From Borrower | 0 | 71484.6 | Verified | Field value reflects source document |
| xxxxxx | 777262 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 777262 | xxxxxx | Cash From Borrower | 0 | 64725.94 | Verified | Field value reflects source document |
| xxxxxx | 777271 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777271 | xxxxxx | Cash To Borrower | 0 | 1230.42 | Verified | Field value reflects source document |
| xxxxxx | 777265 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777265 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 777265 | xxxxxx | Cash To Borrower | 0 | 18806.87 | Verified | Field value reflects source document |
| xxxxxx | 777277 | xxxxxx | Cash From Borrower | 0 | 281842.64 | Verified | Field value reflects source document |
| xxxxxx | 776507 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776507 | xxxxxx | Property Type | 4 Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776507 | xxxxxx | # of Units | 4 | 3 | Verified | Field value reflects source document |
| xxxxxx | 776507 | xxxxxx | Cash To Borrower | 57587.75 | 46210.61 | Verified | Field value reflects source document |
| xxxxxx | 772836 | xxxxxx | Street | xxxxxx |  | Verified | Field Value reflects Street per Note |
| xxxxxx | 772836 | xxxxxx | City | xxxxxx |  | Verified | Field Value reflects City per Note |
| xxxxxx | 772836 | xxxxxx | State | xxxxxx |  | Verified | Field Value reflects State per Note |
| xxxxxx | 772836 | xxxxxx | Zip | xxxxxx |  | Verified | Field Value reflects Zip per Note |
| xxxxxx | 772836 | xxxxxx | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 772836 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 772836 | xxxxxx | Representative FICO | 750 | 741 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 772836 | xxxxxx | Property Type | Single Family Detached |  | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772836 | xxxxxx | Appraised Value | xxxxxx |  | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 772836 | xxxxxx | Cash To Borrower | 100000 | 52655.11 | Verified | Field value reflects source document |
| xxxxxx | 772836 | xxxxxx | Original CLTV | 65 | 70.91 | Verified | CDA value > 10% utilized. Received at/prior to closing |
| xxxxxx | 772836 | xxxxxx | Original LTV | 65 | 70.91 | Verified | CDA value > 10% utilized. Received at/prior to closing |
| xxxxxx | 775660 | xxxxxx | Cash To Borrower | 300000 | 288401.13 | Verified | Field value reflects source document |
| xxxxxx | 776325 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 776325 | xxxxxx | Representative FICO | 774 | 766 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 776325 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776325 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 776325 | xxxxxx | Original CLTV | 70.14 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 776325 | xxxxxx | Original LTV | 70.14 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 776325 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 776325 | xxxxxx | Cash From Borrower | 0 | 78343.72 | Verified | Field value reflects source document |
| xxxxxx | 775946 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 775946 | xxxxxx | Cash To Borrower | 200000 | 202931.55 | Verified | Field value reflects source document |
| xxxxxx | 776754 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776754 | xxxxxx | Representative FICO | 795 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 776754 | xxxxxx | Cash From Borrower | 0 | 25032.02 | Verified | Field value reflects source document |
| xxxxxx | 775747 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775747 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 775747 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 775747 | xxxxxx | Cash To Borrower | 110720 | 97934.69 | Verified | Field value reflects source document |
| xxxxxx | 775747 | xxxxxx | Original CLTV | 55.56 | 56.82 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 775747 | xxxxxx | Original LTV | 55.56 | 56.82 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 776323 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 776323 | xxxxxx | Cash To Borrower | 0 | 921.82 | Verified | Field value reflects source document |
| xxxxxx | 776392 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 776392 | xxxxxx | Cash From Borrower | 0 | 188759.17 | Verified | Field value reflects source document |
| xxxxxx | 775992 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 775992 | xxxxxx | Cash From Borrower | 0 | 592005.16 | Verified | Field value reflects source document |
| xxxxxx | 775487 | xxxxxx | Prepayment Penalty Period (months) | 36 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 775487 | xxxxxx | Cash From Borrower | 0 | 130158.22 | Verified | Field value reflects source document |
| xxxxxx | 777386 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777386 | xxxxxx | Cash From Borrower | 0 | 81249.83 | Verified | Field value reflects source document |
| xxxxxx | 774513 | xxxxxx | Cash From Borrower | 0 | 288484.85 | Verified | Field value reflects source document |
| xxxxxx | 777109 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777109 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777109 | xxxxxx | Cash From Borrower | 0 | 118638.71 | Verified | Field value reflects source document |
| xxxxxx | 775851 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 775851 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775851 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775851 | xxxxxx | Cash To Borrower | 1000 | 9159.06 | Verified | Field value reflects source document |
| xxxxxx | 777438 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777438 | xxxxxx | Cash To Borrower | 76045.33 | 62349.06 | Verified | Field value reflects source document |
| xxxxxx | 776635 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776635 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776635 | xxxxxx | Cash From Borrower | 0 | 188086.75 | Verified | Field value reflects source document |
| xxxxxx | 776880 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 776880 | xxxxxx | Cash From Borrower | 0 | 420354.43 | Verified | Field value reflects source document |
| xxxxxx | 777652 | xxxxxx | Cash From Borrower | 0 | 273526.89 | Verified | Field value reflects source document |
| xxxxxx | 776623 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776623 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776623 | xxxxxx | Cash From Borrower | 0 | 174647.05 | Verified | Field value reflects source document |
| xxxxxx | 777357 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777357 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| xxxxxx | 777357 | xxxxxx | Cash From Borrower | 0 | 206724.56 | Verified | Field value reflects source document |
| xxxxxx | 776012 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 776012 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 776012 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776012 | xxxxxx | Cash From Borrower | 0 | 72558.13 | Verified | Field value reflects source document |
| xxxxxx | 775855 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 775855 | xxxxxx | Cash To Borrower | 47572 | 22771.85 | Verified | Field value reflects source document |
| xxxxxx | 777428 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777428 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777428 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777428 | xxxxxx | Cash From Borrower | 0 | 85200.34 | Verified | Field value reflects source document |
| xxxxxx | 775945 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 775945 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 775945 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 775945 | xxxxxx | Original CLTV | 65.36 | 58.82 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 775945 | xxxxxx | Original LTV | 65.36 | 58.82 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 775945 | xxxxxx | Cash From Borrower | 0 | 343522.65 | Verified | Field value reflects source document |
| xxxxxx | 777081 | xxxxxx | Cash From Borrower | 0 | 81885.37 | Verified | Field value reflects source document |
| xxxxxx | 777296 | xxxxxx | Cash From Borrower | 0 | 318414.1 | Verified | Field value reflects source document |
| xxxxxx | 773106 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 773106 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773106 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773106 | xxxxxx | Cash To Borrower | 92569.11 | 24916.47 | Verified | Field value reflects source document |
| xxxxxx | 777777 | xxxxxx | Cash From Borrower | 0 | 288338.29 | Verified | Field value reflects source document |
| xxxxxx | 777725 | xxxxxx | Cash From Borrower | 0 | 5874.44 | Verified | Field value reflects source document |
| xxxxxx | 773581 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 773581 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773581 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 773581 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773581 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 773581 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773581 | xxxxxx | Cash To Borrower | 0 | 142422.49 | Verified | Field value reflects source document |
| xxxxxx | 773581 | xxxxxx | Original CLTV | 75 | 69.99 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 773581 | xxxxxx | Original LTV | 75 | 69.99 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 773581 | xxxxxx | Interest Rate Life Floor | 6.99 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 777726 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777726 | xxxxxx | Cash From Borrower | 0 | 128383.44 | Verified | Field value reflects source document |
| xxxxxx | 777085 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777085 | xxxxxx | Cash From Borrower | 0 | 81601.07 | Verified | Field value reflects source document |
| xxxxxx | 774876 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 774876 | xxxxxx | Original Interest Rate | 8.875 | 8.5 | Verified | Field Value reflects the Note value |
| xxxxxx | 774876 | xxxxxx | Representative FICO | 735 | 749 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 774876 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value reflects Approval/AUS value |
| xxxxxx | 774876 | xxxxxx | Cash From Borrower | 0 | 175301.7 | Verified | Field value reflects source document |
| xxxxxx | 775836 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 775836 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 775836 | xxxxxx | Cash To Borrower | 446038 | 130386.02 | Verified | Field value reflects source document |
| xxxxxx | 776091 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776091 | xxxxxx | Representative FICO | 728 | 696 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 776091 | xxxxxx | Cash From Borrower | 0 | 114432.71 | Verified | Field value reflects source document |
| xxxxxx | 775909 | xxxxxx | Cash From Borrower | 0 | 236724.94 | Verified | Field value reflects source document |
| xxxxxx | 773803 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 773803 | xxxxxx | Cash To Borrower | 55989.1 | 43443.25 | Verified | Field value reflects source document |
| xxxxxx | 776396 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776396 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 776396 | xxxxxx | Appraisal Effective Date | 2022-08-22 | 2022-08-10 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 776396 | xxxxxx | Interest Rate Life Floor | 8.25 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 776396 | xxxxxx | Cash From Borrower | 0 | 491581.62 | Verified | Field value reflects source document |
| xxxxxx | 777161 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 777161 | xxxxxx | Interest Rate Life Floor | 8.75 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 777161 | xxxxxx | Cash From Borrower | 0 | 136352.43 | Verified | Field value reflects source document |
| xxxxxx | 778015 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 778015 | xxxxxx | Original CLTV | 70.77 | 73.6 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 778015 | xxxxxx | Original LTV | 70.77 | 73.6 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 778015 | xxxxxx | Cash From Borrower | 0 | 51666.44 | Verified | Field value reflects source document |
| xxxxxx | 778012 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 778012 | xxxxxx | Interest Rate Life Floor | 5 | 2.875 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 778012 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 778012 | xxxxxx | Cash From Borrower | 0 | 85104.3 | Verified | Field value reflects source document |
| xxxxxx | 778013 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 778013 | xxxxxx | Original CLTV | 73.84 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 778013 | xxxxxx | Original LTV | 73.84 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 778013 | xxxxxx | Cash From Borrower | 0 | 93143.01 | Verified | Field value reflects source document |
| xxxxxx | 776621 | xxxxxx | Cash From Borrower | 0 | 422113.34 | Verified | Field value reflects source document |
| xxxxxx | 777130 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777130 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the ARM rider |
| xxxxxx | 777130 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the ARM rider |
| xxxxxx | 777130 | xxxxxx | Cash To Borrower | 200000 | 147721.02 | Verified | Field value reflects source document |
| xxxxxx | 776436 | xxxxxx | Cash From Borrower | 0 | 163822.53 | Verified | Field value reflects source document |
| xxxxxx | 775775 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 775775 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 775775 | xxxxxx | Representative FICO | 766 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 775775 | xxxxxx | Cash From Borrower | 0 | 132183.45 | Verified | Field value reflects source document |
| xxxxxx | 775744 | xxxxxx | Cash To Borrower | 270000 | 270682.65 | Verified | Field value reflects source document |
| xxxxxx | 771046 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 771046 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 771046 | xxxxxx | Representative FICO | 689 | 688 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 771046 | xxxxxx | Cash From Borrower | 0 | 10915.09 | Verified | Field value reflects source document |
| xxxxxx | 777309 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777309 | xxxxxx | Cash From Borrower | 0 | 69130.05 | Verified | Field value reflects source document |
| xxxxxx | 777809 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777809 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777809 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777809 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 777809 | xxxxxx | Cash To Borrower | 0 | 203736.85 | Verified | Field value reflects source document |
| xxxxxx | 776050 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776050 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776050 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| xxxxxx | 776050 | xxxxxx | Cash From Borrower | 0 | 131746.21 | Verified | Field value reflects source document |
| xxxxxx | 775485 | xxxxxx | Property Type | Single Family Detached | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775485 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 775485 | xxxxxx | Cash From Borrower | 0 | 7034.49 | Verified | Field value reflects source document |
| xxxxxx | 778021 | xxxxxx | Cash From Borrower | 0 | 190357.75 | Verified | Field value reflects source document |
| xxxxxx | 776566 | xxxxxx | Representative FICO | 802 | 768 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 776566 | xxxxxx | Cash From Borrower | 0 | 546049.03 | Verified | Field value reflects source document |
| xxxxxx | 777062 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777062 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777062 | xxxxxx | Property Type | Condotel | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777062 | xxxxxx | Cash From Borrower | 0 | 55561.36 | Verified | Field value reflects source document |
| xxxxxx | 776910 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776910 | xxxxxx | Cash To Borrower | 228146.83 | 227161.25 | Verified | Field value reflects source document |
| xxxxxx | 778241 | xxxxxx | # of Units | 2 | 1 | Verified | Field value reflects source document |
| xxxxxx | 778241 | xxxxxx | Cash From Borrower | 0 | 1676.37 | Verified | Field value reflects source document |
| xxxxxx | 777582 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777582 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 777582 | xxxxxx | Cash To Borrower | 0 | 6308.99 | Verified | Field value reflects source document |
| xxxxxx | 777582 | xxxxxx | Prepayment Penalty Period (months) | 60 | 84 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 777907 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777907 | xxxxxx | Cash From Borrower | 0 | 86677.61 | Verified | Field value reflects source document |
| xxxxxx | 778243 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778243 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 778243 | xxxxxx | Cash To Borrower | 0 | 207416.39 | Verified | Field value reflects source document |
| xxxxxx | 778259 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778259 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 778259 | xxxxxx | Cash To Borrower | 0 | 136836.72 | Verified | Field value reflects source document |
| xxxxxx | 778261 | xxxxxx | Cash To Borrower | 0 | 91579.78 | Verified | Field value reflects source document |
| xxxxxx | 778254 | xxxxxx | Cash From Borrower | 0 | 129487.36 | Verified | Field value reflects source document |
| xxxxxx | 778255 | xxxxxx | Cash From Borrower | 0 | 129103.94 | Verified | Field value reflects source document |
| xxxxxx | 777867 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777867 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 777867 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 777867 | xxxxxx | Cash From Borrower | 0 | 74401.89 | Verified | Field value reflects source document |
| xxxxxx | 778251 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 778251 | xxxxxx | Cash From Borrower | 0 | 57601.2 | Verified | Field value reflects source document |
| xxxxxx | 777464 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777464 | xxxxxx | Representative FICO | 778 | 753 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 777464 | xxxxxx | Cash From Borrower | 0 | 65188.65 | Verified | Field value reflects source document |
| xxxxxx | 778252 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778252 | xxxxxx | Cash To Borrower | 0 | 38696.62 | Verified | Field value reflects source document |
| xxxxxx | 778253 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778253 | xxxxxx | Cash To Borrower | 0 | 51806.9 | Verified | Field value reflects source document |
| xxxxxx | 773734 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773734 | xxxxxx | Representative FICO | 733 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 773734 | xxxxxx | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 773734 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 773734 | xxxxxx | Cash To Borrower | 115000 | 106884.79 | Verified | Field value reflects source document |
| xxxxxx | 773740 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773740 | xxxxxx | Representative FICO | 733 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 773740 | xxxxxx | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 773740 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Subject loan is refinance |
| xxxxxx | 773740 | xxxxxx | Cash To Borrower | 50000 | 34935.11 | Verified | Field value reflects source document |
| xxxxxx | 776376 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776376 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 776376 | xxxxxx | Original Interest Rate | 9.375 | 8.875 | Verified | Field Value reflects the Note value |
| xxxxxx | 776376 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776376 | xxxxxx | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 776376 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 776376 | xxxxxx | Prepayment Penalty Period (months) | 36 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 776376 | xxxxxx | Cash From Borrower | 0 | 102525.22 | Verified | Field value reflects source document |
| xxxxxx | 776837 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776837 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776837 | xxxxxx | Cash To Borrower | 311250 | 106957.53 | Verified | Field value reflects source document |
| xxxxxx | 777812 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777812 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777812 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 777812 | xxxxxx | Cash From Borrower | 0 | 15433.09 | Verified | Field value reflects source document |
| xxxxxx | 778256 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 778256 | xxxxxx | Cash To Borrower | 0 | 42523.06 | Verified | Field value reflects source document |
| xxxxxx | 776916 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 776916 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776916 | xxxxxx | Cash To Borrower | 1000 | 367648.13 | Verified | Field value reflects source document |
| xxxxxx | 771667 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 771667 | xxxxxx | Cash To Borrower | 149000 | 139455.58 | Verified | Field value reflects source document |
| xxxxxx | 778257 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778257 | xxxxxx | Representative FICO | 744 | 668 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778257 | xxxxxx | Cash From Borrower | 0 | 21222.44 | Verified | Field value reflects source document |
| xxxxxx | 778171 | xxxxxx | Cash From Borrower | 0 | 87163.01 | Verified | Field value reflects source document |
| xxxxxx | 776470 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776470 | xxxxxx | Cash To Borrower | 43617.23 | 48399.78 | Verified | Field value reflects source document |
| xxxxxx | 777124 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777124 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 777124 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777124 | xxxxxx | Cash From Borrower | 0 | 250928.33 | Verified | Field value reflects source document |
| xxxxxx | 777819 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777819 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777819 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777819 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 777819 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 777819 | xxxxxx | Cash To Borrower | 0 | 471913.7 | Verified | Field value reflects source document |
| xxxxxx | 778349 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 778349 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778349 | xxxxxx | Cash To Borrower | 50754.52 | 24478.88 | Verified | Field value reflects source document |
| xxxxxx | 778082 | xxxxxx | Cash To Borrower | 20000 | 84989.43 | Verified | Field value reflects source document |
| xxxxxx | 776402 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776402 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776402 | xxxxxx | Cash From Borrower | 0 | 77518.69 | Verified | Field value reflects source document |
| xxxxxx | 777425 | xxxxxx | Cash To Borrower | 204749 | 190600.26 | Verified | Field value reflects source document |
| xxxxxx | 778119 | xxxxxx | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778119 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778119 | xxxxxx | Borrower SSN | xxxxxx |  | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 778119 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778119 | xxxxxx | Cash To Borrower | 88000 | 57354.2 | Verified | Field value reflects source document |
| xxxxxx | 778217 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 778217 | xxxxxx | Cash From Borrower | 0 | 2363.17 | Verified | Field value reflects source document |
| xxxxxx | 776884 | xxxxxx | Cash From Borrower | 0 | 485670.38 | Verified | Field value reflects source document |
| xxxxxx | 777518 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777518 | xxxxxx | Cash To Borrower | 1000 | 265668.93 | Verified | Field value reflects source document |
| xxxxxx | 777250 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777250 | xxxxxx | Cash From Borrower | 0 | 184084.32 | Verified | Field value reflects source document |
| xxxxxx | 778358 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778358 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778358 | xxxxxx | Cash To Borrower | 34129.68 | 25396.63 | Verified | Field value reflects source document |
| xxxxxx | 778209 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 778209 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 778209 | xxxxxx | Cash From Borrower | 0 | 87257.33 | Verified | Field value reflects source document |
| xxxxxx | 776491 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 776491 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 776491 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 776491 | xxxxxx | Cash From Borrower | 0 | 159805.27 | Verified | Field value reflects source document |
| xxxxxx | 770740 | xxxxxx | Cash To Borrower | 150000 | 157451.03 | Verified | Field value reflects source document |
| xxxxxx | 777732 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777732 | xxxxxx | Cash To Borrower | 0 | 123168.73 | Verified | Field value reflects source document |
| xxxxxx | 777731 | xxxxxx | Cash From Borrower | 0 | 259812.94 | Verified | Field value reflects source document |
| xxxxxx | 777863 | xxxxxx | Cash From Borrower | 0 | 252139.75 | Verified | Field value reflects source document |
| xxxxxx | 778207 | xxxxxx | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 778207 | xxxxxx | Interest Only Period | 120 |  | Verified | Unable to verify due to missing information |
| xxxxxx | 778207 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778207 | xxxxxx | Cash To Borrower | 479295 | 479642 | Verified | Field value reflects source document |
| xxxxxx | 778207 | xxxxxx | Original CLTV | 58.82 | 62.5 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778207 | xxxxxx | Original LTV | 58.82 | 62.5 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778371 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778371 | xxxxxx | Cash To Borrower | 107854.53 | 95599.19 | Verified | Field value reflects source document |
| xxxxxx | 778371 | xxxxxx | Original CLTV | 70 | 63.21 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778371 | xxxxxx | Original LTV | 70 | 63.21 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778170 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778170 | xxxxxx | Borrower SSN | xxxxxx |  | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 778170 | xxxxxx | Cash From Borrower | 0 | 90928.11 | Verified | Field value reflects source document |
| xxxxxx | 777301 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777301 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777301 | xxxxxx | Cash From Borrower | 0 | 187624.7 | Verified | Field value reflects source document |
| xxxxxx | 775726 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775726 | xxxxxx | Cash From Borrower | 0 | 268642.74 | Verified | Field value reflects source document |
| xxxxxx | 777668 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777668 | xxxxxx | Cash From Borrower | 0 | 232253.11 | Verified | Field value reflects source document |
| xxxxxx | 777837 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777837 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777837 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 777837 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 777837 | xxxxxx | Cash From Borrower | 0 | 89887.51 | Verified | Field value reflects source document |
| xxxxxx | 778512 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778512 | xxxxxx | Cash To Borrower | 39382.13 | 39894.04 | Verified | Field value reflects source document |
| xxxxxx | 778231 | xxxxxx | Cash From Borrower | 0 | 111422.16 | Verified | Field value reflects source document |
| xxxxxx | 778511 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778511 | xxxxxx | Cash To Borrower | 25172.75 | 26939.93 | Verified | Field value reflects source document |
| xxxxxx | 777728 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777728 | xxxxxx | Cash From Borrower | 0 | 86737.63 | Verified | Field value reflects source document |
| xxxxxx | 775996 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Security Instrument |
| xxxxxx | 775996 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 775996 | xxxxxx | Cash To Borrower | 135000 | 139489.33 | Verified | Field value reflects source document |
| xxxxxx | 776342 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776342 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| xxxxxx | 776342 | xxxxxx | Cash To Borrower | 59961.75 | 56558.42 | Verified | Field value reflects source document |
| xxxxxx | 778141 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 778141 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778141 | xxxxxx | Cash To Borrower | 100000 | 176383.45 | Verified | Field value reflects source document |
| xxxxxx | 777670 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777670 | xxxxxx | Cash To Borrower | 135000 | 132609.56 | Verified | Field value reflects source document |
| xxxxxx | 777719 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777719 | xxxxxx | Cash To Borrower | 462143 | 335461.05 | Verified | Field value reflects source document |
| xxxxxx | 777095 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777095 | xxxxxx | Cash From Borrower | 0 | 76313.37 | Verified | Field value reflects source document |
| xxxxxx | 777120 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777120 | xxxxxx | Property Type | Condotel | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777120 | xxxxxx | Cash From Borrower | 0 | 139768.46 | Verified | Field value reflects source document |
| xxxxxx | 773748 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773748 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 773748 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773748 | xxxxxx | Cash From Borrower | 0 | 24655.57 | Verified | Field value reflects source document |
| xxxxxx | 776345 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776345 | xxxxxx | Cash To Borrower | 90000 | 89265.06 | Verified | Field value reflects source document |
| xxxxxx | 776039 | xxxxxx | Cash To Borrower | 24000 | 24836.09 | Verified | Field value reflects source document |
| xxxxxx | 776040 | xxxxxx | Cash To Borrower | 24000 | 24836.09 | Verified | Field value reflects source document |
| xxxxxx | 778376 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 778376 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 778376 | xxxxxx | Cash To Borrower | 278205 | 265058.78 | Verified | Field value reflects source document |
| xxxxxx | 776913 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776913 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776913 | xxxxxx | Cash To Borrower | 350000 | 326317.07 | Verified | Field value reflects source document |
| xxxxxx | 778829 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778829 | xxxxxx | Prepayment Penalty Period (months) | 60 | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 778829 | xxxxxx | Cash From Borrower | 0 | 93539.09 | Verified | Field value reflects source document |
| xxxxxx | 778464 | xxxxxx | Representative FICO | 745 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778464 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778464 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 778464 | xxxxxx | Cash From Borrower | 0 | 307395.36 | Verified | Field value reflects source document |
| xxxxxx | 777909 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777909 | xxxxxx | Cash From Borrower | 0 | 44634.38 | Verified | Field value reflects source document |
| xxxxxx | 778263 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778263 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778263 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 778263 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 778263 | xxxxxx | Cash From Borrower | 0 | 77000 | Verified | Field value reflects source document |
| xxxxxx | 777765 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777765 | xxxxxx | Cash To Borrower | 96500 | 78122.97 | Verified | Field value reflects source document |
| xxxxxx | 776998 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776998 | xxxxxx | Cash From Borrower | 0 | 149690.31 | Verified | Field value reflects source document |
| xxxxxx | 778067 | xxxxxx | Original Interest Rate | 9 | 9.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 778067 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778067 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778067 | xxxxxx | Cash From Borrower | 0 | 143999.14 | Verified | Field value reflects source document |
| xxxxxx | 778713 | xxxxxx | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 778713 | xxxxxx | Cash To Borrower | 196346 | 305107.75 | Verified | Field value reflects source document |
| xxxxxx | 777347 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777347 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777347 | xxxxxx | Cash To Borrower | 260000 | 248046.51 | Verified | Field value reflects source document |
| xxxxxx | 777347 | xxxxxx | Original CLTV | 65.96 | 68.06 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 777347 | xxxxxx | Original LTV | 65.96 | 68.06 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778534 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 778534 | xxxxxx | Cash From Borrower | 0 | 80970.26 | Verified | Field value reflects source document |
| xxxxxx | 779087 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779087 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779087 | xxxxxx | Cash From Borrower | 0 | 11441.36 | Verified | Field value reflects source document |
| xxxxxx | 777475 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777475 | xxxxxx | Cash To Borrower | 1 | 379365.18 | Verified | Field value reflects source document |
| xxxxxx | 777228 | xxxxxx | Original Interest Rate | 8.375 | 8.125 | Verified | Field Value reflects the Note value |
| xxxxxx | 777228 | xxxxxx | Representative FICO | 761 | 757 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 777228 | xxxxxx | Cash From Borrower | 0 | 73536.68 | Verified | Field value reflects source document |
| xxxxxx | 778984 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778984 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778984 | xxxxxx | Cash From Borrower | 0 | 183768.06 | Verified | Field value reflects source document |
| xxxxxx | 778850 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778850 | xxxxxx | Cash From Borrower | 0 | 544737.78 | Verified | Field value reflects source document |
| xxxxxx | 778413 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 778413 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 778413 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 778413 | xxxxxx | Cash From Borrower | 0 | 194084.58 | Verified | Field value reflects source document |
| xxxxxx | 777249 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777249 | xxxxxx | Cash To Borrower | 0 | 5481.85 | Verified | Field value reflects source document |
| xxxxxx | 777526 | xxxxxx | Cash From Borrower | 0 | 147728.65 | Verified | Field value reflects source document |
| xxxxxx | 778524 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 778524 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 778524 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778524 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 778524 | xxxxxx | Original CLTV | 66.68 | 77.89 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 778524 | xxxxxx | Original LTV | 66.68 | 77.89 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 778524 | xxxxxx | Cash From Borrower | 0 | 124658.68 | Verified | Field value reflects source document |
| xxxxxx | 778389 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778389 | xxxxxx | Cash From Borrower | 0 | 116260.52 | Verified | Field value reflects source document |
| xxxxxx | 775922 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 775922 | xxxxxx | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775922 | xxxxxx | Cash To Borrower | 251000 | 230066.59 | Verified | Field value reflects source document |
| xxxxxx | 778812 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778812 | xxxxxx | Cash From Borrower | 0 | 535538.21 | Verified | Field value reflects source document |
| xxxxxx | 777715 | xxxxxx | Cash From Borrower | 0 | 355524.82 | Verified | Field value reflects source document |
| xxxxxx | 778582 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778582 | xxxxxx | Cash From Borrower | 0 | 43252.96 | Verified | Field value reflects source document |
| xxxxxx | 778970 | xxxxxx | Representative FICO | 807 | 775 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778970 | xxxxxx | # of Units | 4 | 3 | Verified | Field value reflects source document |
| xxxxxx | 778970 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 778970 | xxxxxx | Interest Rate Life Floor | 7 | 2.5 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 778970 | xxxxxx | Cash From Borrower | 0 | 830961.68 | Verified | Field value reflects source document |
| xxxxxx | 778969 | xxxxxx | Cash From Borrower | 0 | 280927.49 | Verified | Field value reflects source document |
| xxxxxx | 777122 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777122 | xxxxxx | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 777122 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777122 | xxxxxx | # of Units | 5 | 8 | Verified | Field value reflects source document |
| xxxxxx | 777122 | xxxxxx | Cash From Borrower | 0 | 123401.92 | Verified | Field value reflects source document |
| xxxxxx | 776974 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 776974 | xxxxxx | Original Interest Rate | 9.375 | 8.75 | Verified | Field Value reflects the Note value |
| xxxxxx | 776974 | xxxxxx | Cash To Borrower | 129304 | 133797.23 | Verified | Field value reflects source document |
| xxxxxx | 776974 | xxxxxx | Original CLTV | 65 | 58.14 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 776974 | xxxxxx | Original LTV | 65 | 58.14 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 777431 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777431 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777431 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777431 | xxxxxx | Cash To Borrower | 254868.06 | 236081.85 | Verified | Field value reflects source document |
| xxxxxx | 778157 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778157 | xxxxxx | Cash From Borrower | 0 | 178025.68 | Verified | Field value reflects source document |
| xxxxxx | 779147 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779147 | xxxxxx | Cash To Borrower | 355705 | 319437.55 | Verified | Field value reflects source document |
| xxxxxx | 778020 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 778020 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778020 | xxxxxx | Cash From Borrower | 0 | 109134.32 | Verified | Field value reflects source document |
| xxxxxx | 778487 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778487 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778487 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 778487 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 778487 | xxxxxx | Cash From Borrower | 0 | 208641.18 | Verified | Field value reflects source document |
| xxxxxx | 779282 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779282 | xxxxxx | Cash From Borrower | 0 | 52788.17 | Verified | Field value reflects source document |
| xxxxxx | 776745 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 776745 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776745 | xxxxxx | Cash To Borrower | 112925 | 115240.74 | Verified | Field value reflects source document |
| xxxxxx | 778068 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778068 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 778068 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value reflects Approval/AUS value |
| xxxxxx | 778068 | xxxxxx | Cash From Borrower | 0 | 158802.55 | Verified | Field value reflects source document |
| xxxxxx | 779049 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 779049 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the ARM rider |
| xxxxxx | 779049 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the ARM rider |
| xxxxxx | 779049 | xxxxxx | Cash From Borrower | 0 | 61983.59 | Verified | Field value reflects source document |
| xxxxxx | 778664 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778664 | xxxxxx | Cash From Borrower | 0 | 320090.32 | Verified | Field value reflects source document |
| xxxxxx | 777832 | xxxxxx | Cash To Borrower | 302250 | 286933.22 | Verified | Field value reflects source document |
| xxxxxx | 778931 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778931 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778931 | xxxxxx | Cash From Borrower | 0 | 149667.27 | Verified | Field value reflects source document |
| xxxxxx | 779069 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 779069 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 779069 | xxxxxx | Cash From Borrower | 0 | 113748.86 | Verified | Field value reflects source document |
| xxxxxx | 776889 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 776889 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776889 | xxxxxx | Representative FICO | 805 | 791 | Verified | Tape value is from stale dated credit report; field value reflects most recent credit pull. |
| xxxxxx | 776889 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776889 | xxxxxx | Cash To Borrower | 600000 | 590775.67 | Verified | Field value reflects source document |
| xxxxxx | 778523 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 778523 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 778523 | xxxxxx | Original CLTV | 70 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 778523 | xxxxxx | Original LTV | 70 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 778523 | xxxxxx | Cash From Borrower | 0 | 97824.61 | Verified | Field value reflects source document |
| xxxxxx | 779706 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779706 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779706 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 779706 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 779706 | xxxxxx | Cash From Borrower | 0 | 650744.68 | Verified | Field value reflects source document |
| xxxxxx | 779782 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779782 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 779782 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 779782 | xxxxxx | Cash From Borrower | 0 | 82124.24 | Verified | Field value reflects source document |
| xxxxxx | 778486 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778486 | xxxxxx | Representative FICO | 719 | 715 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778486 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 778486 | xxxxxx | Cash To Borrower | 135000 | 169009.96 | Verified | Field value reflects source document |
| xxxxxx | 776545 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776545 | xxxxxx | Cash From Borrower | 0 | 89891.74 | Verified | Field value reflects source document |
| xxxxxx | 778357 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the ARM rider |
| xxxxxx | 779704 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779704 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779704 | xxxxxx | Cash To Borrower | 80650.42 | 64564.78 | Verified | Field value reflects source document |
| xxxxxx | 777659 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777659 | xxxxxx | Cash From Borrower | 0 | 64073.77 | Verified | Field value reflects source document |
| xxxxxx | 777859 | xxxxxx | Original Interest Rate | 7.75 | 7.625 | Verified | Field Value reflects the Note value |
| xxxxxx | 777859 | xxxxxx | Cash From Borrower | 0 | 65632.24 | Verified | Field value reflects source document |
| xxxxxx | 767992 | xxxxxx | Representative FICO | 726 | 739 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 767992 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 767992 | xxxxxx | Cash To Borrower | 1 | 5000 | Verified | Field value reflects source document |
| xxxxxx | 778485 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 778485 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 778485 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 778485 | xxxxxx | Cash From Borrower | 0 | 105909.74 | Verified | Field value reflects source document |
| xxxxxx | 779004 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779004 | xxxxxx | Cash From Borrower | 0 | 474416.04 | Verified | Field value reflects source document |
| xxxxxx | 779469 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779469 | xxxxxx | Cash From Borrower | 0 | 132347.38 | Verified | Field value reflects source document |
| xxxxxx | 777937 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777937 | xxxxxx | Property Type | Single Family Attached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777937 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 777937 | xxxxxx | Cash To Borrower | 150000 | 139113.46 | Verified | Field value reflects source document |
| xxxxxx | 778265 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778265 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778265 | xxxxxx | Cash From Borrower | 0 | 126009.43 | Verified | Field value reflects source document |
| xxxxxx | 778973 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778973 | xxxxxx | Cash To Borrower | 229177.6 | 155647.32 | Verified | Field value reflects source document |
| xxxxxx | 778385 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778385 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778385 | xxxxxx | Cash From Borrower | 0 | 194716.85 | Verified | Field value reflects source document |
| xxxxxx | 779722 | xxxxxx | Cash To Borrower | 0 | 59129.27 | Verified | Field value reflects source document |
| xxxxxx | 779724 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779724 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 779724 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 779724 | xxxxxx | Cash From Borrower | 0 | 1301760.74 | Verified | Field value reflects source document |
| xxxxxx | 778585 | xxxxxx | Representative FICO | 726 | 728 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778585 | xxxxxx | Cash From Borrower | 0 | 301330.65 | Verified | Field value reflects source document |
| xxxxxx | 775087 | xxxxxx | Cash From Borrower | 0 | 86995.39 | Verified | Field value reflects source document |
| xxxxxx | 778509 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 778509 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778509 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 778509 | xxxxxx | Original Interest Rate | 7.625 | 8.875 | Verified | Field Value reflects the Note value |
| xxxxxx | 778509 | xxxxxx | Representative FICO | 662 | 670 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778509 | xxxxxx | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778509 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778509 | xxxxxx | Cash To Borrower | 93988.39 | 130003.47 | Verified | Field value reflects source document |
| xxxxxx | 778509 | xxxxxx | Original CLTV | 38.89 | 44.09 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778509 | xxxxxx | Original LTV | 38.89 | 44.09 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 779178 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 779178 | xxxxxx | Cash From Borrower | 0 | 136403.14 | Verified | Field value reflects source document |
| xxxxxx | 779198 | xxxxxx | Representative FICO | 717 | 709 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 779198 | xxxxxx | Cash From Borrower | 0 | 186483.8 | Verified | Field value reflects source document |
| xxxxxx | 778868 | xxxxxx | Cash From Borrower | 0 | 230933.97 | Verified | Field value reflects source document |
| xxxxxx | 779048 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 779048 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 779048 | xxxxxx | Cash From Borrower | 0 | 86803.63 | Verified | Field value reflects source document |
| xxxxxx | 778031 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778031 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 778031 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 778031 | xxxxxx | Cash To Borrower | 226850 | 211145.58 | Verified | Field value reflects source document |
| xxxxxx | 778983 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 778983 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 778983 | xxxxxx | Cash From Borrower | 0 | 137033.96 | Verified | Field value reflects source document |
| xxxxxx | 779208 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779208 | xxxxxx | Cash From Borrower | 0 | 438687.56 | Verified | Field value reflects source document |
| xxxxxx | 778266 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 778266 | xxxxxx | Property Type | Single Family Detached | 2 Family | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 778266 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 778266 | xxxxxx | Cash To Borrower | 78143 | 41680.33 | Verified | Field value reflects source document |
| xxxxxx | 779022 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Correction affidavit provided adding Unit 51 |
| xxxxxx | 779022 | xxxxxx | Cash From Borrower | 0 | 64106.32 | Verified | Field value reflects source document |
| xxxxxx | 779709 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 779709 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 779709 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 779709 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 779709 | xxxxxx | Cash From Borrower | 0 | 166192.58 | Verified | Field value reflects source document |
| xxxxxx | 779823 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 779823 | xxxxxx | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 779823 | xxxxxx | Cash To Borrower | 90000 | 76787.88 | Verified | Field value reflects source document |
| xxxxxx | 780463 | xxxxxx | # of Units | 4 | 2 | Verified | Field value reflects source document |
| xxxxxx | 780463 | xxxxxx | Cash To Borrower | 0 | 179550.39 | Verified | Field value reflects source document |
| xxxxxx | 778264 | xxxxxx | Cash To Borrower | 500000 | 607594 | Verified | Field value reflects source document |
| xxxxxx | 778488 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778488 | xxxxxx | Representative FICO | 719 | 715 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778488 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778488 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Tape Value reflects Purchase Price |
| xxxxxx | 778488 | xxxxxx | Cash From Borrower | 0 | 342434.56 | Verified | Field value reflects source document |
| xxxxxx | 779473 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779473 | xxxxxx | Representative FICO | 680 |  | Verified | Borrower is Foreign National - no credit score required |
| xxxxxx | 779473 | xxxxxx | Cash From Borrower | 0 | 267898.39 | Verified | Field value reflects source document |
| xxxxxx | 778553 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 778553 | xxxxxx | Cash To Borrower | 45196 | 42445.39 | Verified | Field value reflects source document |
| xxxxxx | 778554 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 778554 | xxxxxx | Cash To Borrower | 34981 | 31329.44 | Verified | Field value reflects source document |
| xxxxxx | 778944 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778944 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778944 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Tape Value reflects Purchase Price |
| xxxxxx | 778944 | xxxxxx | Cash From Borrower | 0 | 145537.32 | Verified | Field value reflects source document |
| xxxxxx | 779057 | xxxxxx | Original Interest Rate | 9.5 | 9.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 779057 | xxxxxx | Cash From Borrower | 0 | 214671.39 | Verified | Field value reflects source document |
| xxxxxx | 778568 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778568 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value reflects Approval/AUS value |
| xxxxxx | 778568 | xxxxxx | Cash From Borrower | 0 | 81192.41 | Verified | Field value reflects source document |
| xxxxxx | 777822 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777822 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 777822 | xxxxxx | Original Interest Rate | 10 | 9.99 | Verified | Field Value reflects the Note value |
| xxxxxx | 777822 | xxxxxx | Original CLTV | 75 | 71.67 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 777822 | xxxxxx | Original LTV | 75 | 71.67 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 777822 | xxxxxx | Cash From Borrower | 0 | 104487.06 | Verified | Field value reflects source document |
| xxxxxx | 780333 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780333 | xxxxxx | Cash To Borrower | 350000 | 198746.41 | Verified | Field value reflects source document |
| xxxxxx | 780333 | xxxxxx | Original CLTV | 23.33 | 26.52 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 780333 | xxxxxx | Original LTV | 23.33 | 26.52 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778980 | xxxxxx | Cash To Borrower | 150002 | 141705.37 | Verified | Field value reflects source document |
| xxxxxx | 780093 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780093 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 780093 | xxxxxx | Cash From Borrower | 0 | 14977.82 | Verified | Field value reflects source document |
| xxxxxx | 778819 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778819 | xxxxxx | Cash From Borrower | 0 | 120681.99 | Verified | Field value reflects source document |
| xxxxxx | 780174 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 780174 | xxxxxx | Cash From Borrower | 0 | 264847.52 | Verified | Field value reflects source document |
| xxxxxx | 777877 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777877 | xxxxxx | Cash To Borrower | 200000 | 152649.45 | Verified | Field value reflects source document |
| xxxxxx | 780202 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780202 | xxxxxx | Cash From Borrower | 0 | 152905.63 | Verified | Field value reflects source document |
| xxxxxx | 779663 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779663 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | < $2K cash back. Borrower is bringing cash to close. |
| xxxxxx | 779663 | xxxxxx | Cash From Borrower | 0 | 10932.02 | Verified | Field value reflects source document |
| xxxxxx | 780406 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780406 | xxxxxx | Cash From Borrower | 0 | 218139.26 | Verified | Field value reflects source document |
| xxxxxx | 780337 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780337 | xxxxxx | Cash From Borrower | 0 | 193008.64 | Verified | Field value reflects source document |
| xxxxxx | 779660 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779660 | xxxxxx | Cash To Borrower | 482000 | 494391.02 | Verified | Field value reflects source document |
| xxxxxx | 778574 | xxxxxx | Cash From Borrower | 0 | 152313.03 | Verified | Field value reflects source document |
| xxxxxx | 780165 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 780165 | xxxxxx | Cash From Borrower | 0 | 56581.44 | Verified | Field value reflects source document |
| xxxxxx | 779840 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779840 | xxxxxx | Cash From Borrower | 0 | 387003.6 | Verified | Field value reflects source document |
| xxxxxx | 778685 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778685 | xxxxxx | Cash From Borrower | 0 | 103249.46 | Verified | Field value reflects source document |
| xxxxxx | 780157 | xxxxxx | Representative FICO | 753 | 739 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 780157 | xxxxxx | Cash To Borrower | 194324 | 199929.21 | Verified | Field value reflects source document |
| xxxxxx | 779483 | xxxxxx | Cash From Borrower | 0 | 66102.67 | Verified | Field value reflects source document |
| xxxxxx | 779526 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 779526 | xxxxxx | Cash To Borrower | 0 | 2710.69 | Verified | Field value reflects source document |
| xxxxxx | 778115 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778115 | xxxxxx | Cash To Borrower | 100000 | 101218.43 | Verified | Field value reflects source document |
| xxxxxx | 780490 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 780490 | xxxxxx | Cash From Borrower | 0 | 178333.04 | Verified | Field value reflects source document |
| xxxxxx | 778522 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 778522 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value reflects Approval/AUS value |
| xxxxxx | 778522 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 778522 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 778522 | xxxxxx | Cash To Borrower | 122796 | 68634.93 | Verified | Field value reflects source document |
| xxxxxx | 774186 | xxxxxx | Cash To Borrower | 168242.07 | 157864.94 | Verified | Field value reflects source document |
| xxxxxx | 779047 | xxxxxx | Cash From Borrower | 0 | 126256.23 | Verified | Field value reflects source document |
| xxxxxx | 780632 | xxxxxx | Cash From Borrower | 0 | 310020.29 | Verified | Field value reflects source document |
| xxxxxx | 780578 | xxxxxx | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 780578 | xxxxxx | Cash To Borrower | 0 | 107938.24 | Verified | Field value reflects source document |
| xxxxxx | 779734 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 779734 | xxxxxx | Representative FICO | 716 | 713 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 779734 | xxxxxx | Cash To Borrower | 1 | 141192.89 | Verified | Field value reflects source document |
| xxxxxx | 779734 | xxxxxx | Original CLTV | 64.1 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 779734 | xxxxxx | Original LTV | 64.1 | 70 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778909 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778909 | xxxxxx | Cash To Borrower | 212010 | 212025.33 | Verified | Field value reflects source document |
| xxxxxx | 780112 | xxxxxx | Cash From Borrower | 0 | 85060.76 | Verified | Field value reflects source document |
| xxxxxx | 780182 | xxxxxx | Cash From Borrower | 0 | 100504.23 | Verified | Field value reflects source document |
| xxxxxx | 779887 | xxxxxx | Cash From Borrower | 0 | 73082.85 | Verified | Field value reflects source document |
| xxxxxx | 779770 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779770 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 779770 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 779770 | xxxxxx | Cash From Borrower | 0 | 115707.46 | Verified | Field value reflects source document |
| xxxxxx | 778433 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 778433 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778433 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778433 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 778433 | xxxxxx | Cash From Borrower | 0 | 255941.16 | Verified | Field value reflects source document |
| xxxxxx | 778705 | xxxxxx | Representative FICO | 743 | 732 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778705 | xxxxxx | Cash From Borrower | 0 | 223461.32 | Verified | Field value reflects source document |
| xxxxxx | 780343 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780343 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780343 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 780343 | xxxxxx | Interest Rate Life Cap | 7 | 4.5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 780343 | xxxxxx | Cash From Borrower | 0 | 365811.6 | Verified | Field value reflects source document |
| xxxxxx | 779843 | xxxxxx | Cash From Borrower | 0 | 189346.34 | Verified | Field value reflects source document |
| xxxxxx | 778081 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778081 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778081 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778081 | xxxxxx | Cash To Borrower | 150000 | 74819.19 | Verified | Field value reflects source document |
| xxxxxx | 780529 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780529 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780529 | xxxxxx | Cash From Borrower | 0 | 95737.84 | Verified | Field value reflects source document |
| xxxxxx | 779072 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779072 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 779072 | xxxxxx | Cash From Borrower | 0 | 91586.41 | Verified | Field value reflects source document |
| xxxxxx | 780930 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780930 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 780930 | xxxxxx | Cash From Borrower | 0 | 169109.83 | Verified | Field value reflects source document |
| xxxxxx | 780835 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780835 | xxxxxx | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 780835 | xxxxxx | Cash To Borrower | 1000 | 272086.96 | Verified | Field value reflects source document |
| xxxxxx | 780695 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780695 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780695 | xxxxxx | Cash From Borrower | 0 | 193557.01 | Verified | Field value reflects source document |
| xxxxxx | 780430 | xxxxxx | Cash From Borrower | 0 | 567684.27 | Verified | Field value reflects source document |
| xxxxxx | 776883 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776883 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776883 | xxxxxx | Representative FICO | 714 | 707 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 776883 | xxxxxx | Cash To Borrower | 91262.9 | 79363.1 | Verified | Field value reflects source document |
| xxxxxx | 781247 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 781247 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 781247 | xxxxxx | Cash To Borrower | 225705 | 203764.86 | Verified | Field value reflects source document |
| xxxxxx | 779273 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779273 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779273 | xxxxxx | Cash From Borrower | 0 | 71880.82 | Verified | Field value reflects source document |
| xxxxxx | 778925 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778925 | xxxxxx | Prepayment Penalty Period (months) | 36 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 778925 | xxxxxx | Cash From Borrower | 0 | 536331.76 | Verified | Field value reflects source document |
| xxxxxx | 779274 | xxxxxx | Cash To Borrower | 162500 | 138099.92 | Verified | Field value reflects source document |
| xxxxxx | 781770 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 781770 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781770 | xxxxxx | Cash To Borrower | 50000 | 85850.6 | Verified | Field value reflects source document |
| xxxxxx | 778516 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 778516 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778516 | xxxxxx | Cash To Borrower | 318000 | 238189.47 | Verified | Field value reflects source document |
| xxxxxx | 781285 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 781285 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 781285 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 781285 | xxxxxx | Cash To Borrower | 100000 | 268512.31 | Verified | Field value reflects source document |
| xxxxxx | 781285 | xxxxxx | Prepayment Penalty Period (months) | 36 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 779947 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779947 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780004 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780004 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779951 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779971 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779971 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779957 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 779957 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779903 | xxxxxx | Street | xxxxxx |  | Verified | Field Value reflects Street per Note |
| xxxxxx | 779903 | xxxxxx | City | xxxxxx |  | Verified | Field Value reflects City per Note |
| xxxxxx | 779903 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779903 | xxxxxx | Appraised Value | xxxxxx |  | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779903 | xxxxxx | # of Units | 1 |  | Verified | Field value reflects source document |
| xxxxxx | 779979 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779925 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779925 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780049 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780033 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780033 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780006 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780006 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779952 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Appraisal |
| xxxxxx | 779952 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780066 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780066 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780066 | xxxxxx | Representative FICO | 808 | 791 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 780055 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780055 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780030 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780030 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779940 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779940 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779999 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779999 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779973 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779973 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780057 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780057 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779933 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779933 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779996 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779976 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779976 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780053 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780053 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779958 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780062 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Appraisal |
| xxxxxx | 780062 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779945 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 779945 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780017 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780017 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780047 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779900 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779900 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779962 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779946 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779946 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779907 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Appraisal |
| xxxxxx | 779907 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779907 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value reflects Approval/AUS value |
| xxxxxx | 779907 | xxxxxx | Original LTV | 84.57 | 70 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 780071 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780071 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779905 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779905 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780035 | xxxxxx | Street | xxxxxx |  | Verified | Field Value reflects Street per Note |
| xxxxxx | 780035 | xxxxxx | City | xxxxxx |  | Verified | Field Value reflects City per Note |
| xxxxxx | 780035 | xxxxxx | State | xxxxxx |  | Verified | Field Value reflects State per Note |
| xxxxxx | 780035 | xxxxxx | Zip | xxxxxx |  | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780035 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780035 | xxxxxx | Appraised Value | xxxxxx |  | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780035 | xxxxxx | # of Units | 1 |  | Verified | Field value reflects source document |
| xxxxxx | 779963 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779963 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779938 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779938 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780037 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780037 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779902 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779902 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780029 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780029 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780060 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780060 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780024 | xxxxxx | Street | xxxxxx |  | Verified | Field Value reflects Street per Note |
| xxxxxx | 780024 | xxxxxx | City | xxxxxx |  | Verified | Field Value reflects City per Note |
| xxxxxx | 780024 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780024 | xxxxxx | Appraised Value | xxxxxx |  | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780024 | xxxxxx | # of Units | 3 |  | Verified | Field value reflects source document |
| xxxxxx | 779989 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779937 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779937 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780038 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780038 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780022 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779901 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779901 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779934 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779934 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780072 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779974 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779974 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779992 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779992 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779975 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779975 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779975 | xxxxxx | Representative FICO | 705 | 715 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 779918 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779918 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780001 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780001 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780052 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780052 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779961 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779961 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779988 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779988 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779981 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 779981 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 780018 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 780018 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779955 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779955 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779956 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779986 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779986 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780009 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780009 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779967 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779967 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780013 | xxxxxx | Street | xxxxxx |  | Verified | Field Value reflects Street per Note |
| xxxxxx | 780013 | xxxxxx | City | xxxxxx |  | Verified | Field Value reflects City per Note |
| xxxxxx | 780013 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780013 | xxxxxx | Appraised Value | xxxxxx |  | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780013 | xxxxxx | # of Units | 1 |  | Verified | Field value reflects source document |
| xxxxxx | 779922 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779922 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780067 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779998 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780020 | xxxxxx | Street | xxxxxx |  | Verified | Field Value reflects Street per Note |
| xxxxxx | 780020 | xxxxxx | City | xxxxxx |  | Verified | Field Value reflects City per Note |
| xxxxxx | 780020 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780020 | xxxxxx | Original P&I | xxxxxx | xxxxxx | Verified | Field Value reflects Note value |
| xxxxxx | 780020 | xxxxxx | Appraised Value | xxxxxx |  | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780020 | xxxxxx | # of Units | 1 |  | Verified | Field value reflects source document |
| xxxxxx | 780045 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780048 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780048 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780025 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780025 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779897 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779897 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780050 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779894 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 779894 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779917 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780016 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 780016 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779993 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779911 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779911 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779949 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 779949 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779939 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779965 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779965 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779923 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779923 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780003 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780039 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780039 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 780039 | xxxxxx | Original LTV | 68.81 | 70 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 779968 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780011 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780011 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780032 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780032 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779954 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779966 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 779966 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779991 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779991 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780002 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 780002 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780046 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779959 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779959 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780042 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780042 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779912 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779912 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779913 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779913 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779931 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779931 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779927 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779927 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779895 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779895 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779909 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779943 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779953 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 779953 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780012 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 780012 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780061 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 780061 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780061 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 781383 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 781383 | xxxxxx | Representative FICO | 672 | 678 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 781383 | xxxxxx | Cash To Borrower | 307102.2 | 332621.42 | Verified | Field value reflects source document |
| xxxxxx | 781385 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 781385 | xxxxxx | Cash To Borrower | 266076.14 | 261309.36 | Verified | Field value reflects source document |
| xxxxxx | 781291 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 781291 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 781291 | xxxxxx | Cash To Borrower | 900000 | 625736.97 | Verified | Field value reflects source document |
| xxxxxx | 781142 | xxxxxx | Original Interest Rate | 9.25 | 9 | Verified | Field Value reflects the Note value |
| xxxxxx | 781142 | xxxxxx | Prepayment Penalty Period (months) | 36 | 24 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 781142 | xxxxxx | Cash From Borrower | 0 | 201716.4 | Verified | Field value reflects source document |
| xxxxxx | 780080 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780080 | xxxxxx | Cash To Borrower | 155705 | 145622.85 | Verified | Field value reflects source document |
| xxxxxx | 781902 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781902 | xxxxxx | Cash From Borrower | 0 | 153066.01 | Verified | Field value reflects source document |
| xxxxxx | 781357 | xxxxxx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 781357 | xxxxxx | Amortization Term | 480 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 781357 | xxxxxx | Cash From Borrower | 0 | 2166.31 | Verified | Field value reflects source document |
| xxxxxx | 779068 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 779068 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779068 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 779068 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 779068 | xxxxxx | Cash From Borrower | 0 | 466684.64 | Verified | Field value reflects source document |
| xxxxxx | 781630 | xxxxxx | Cash To Borrower | 182050.15 | 140839 | Verified | Field value reflects source document |
| xxxxxx | 780347 | xxxxxx | Cash From Borrower | 0 | 43405.67 | Verified | Field value reflects source document |
| xxxxxx | 780913 | xxxxxx | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780913 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780913 | xxxxxx | Cash To Borrower | 97355 | 38212.9 | Verified | Field value reflects source document |
| xxxxxx | 779112 | xxxxxx | Cash From Borrower | 0 | 122039.97 | Verified | Field value reflects source document |
| xxxxxx | 781787 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 781787 | xxxxxx | Cash To Borrower | 0 | 1500.11 | Verified | Field value reflects source document |
| xxxxxx | 781787 | xxxxxx | Original CLTV | 61.11 | 63.06 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 781787 | xxxxxx | Original LTV | 61.11 | 63.06 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 782081 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 782081 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 782081 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 782081 | xxxxxx | Cash To Borrower | 50000 | 92596.82 | Verified | Field value reflects source document |
| xxxxxx | 781869 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 781869 | xxxxxx | Cash To Borrower | 144709.24 | 135322.86 | Verified | Field value reflects source document |
| xxxxxx | 780602 | xxxxxx | Cash From Borrower | 0 | 198232.05 | Verified | Field value reflects source document |
| xxxxxx | 781431 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 781431 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781431 | xxxxxx | Cash From Borrower | 0 | 119342.83 | Verified | Field value reflects source document |
| xxxxxx | 781986 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781986 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 781986 | xxxxxx | Cash From Borrower | 0 | 104753.03 | Verified | Field value reflects source document |
| xxxxxx | 781708 | xxxxxx | Cash To Borrower | 300000 | 254307.62 | Verified | Field value reflects source document |
| xxxxxx | 782451 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 782451 | xxxxxx | Cash From Borrower | 0 | 147415.49 | Verified | Field value reflects source document |
| xxxxxx | 781650 | xxxxxx | Cash From Borrower | 0 | 560259.64 | Verified | Field value reflects source document |

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## Exhibit 99.3

**EXHIBIT 99.3**

**AMC Exception Grades**

![](image_001.gif)

**Exception Grades**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| xxxxxx | 761431 | xxxxxx | 24340293 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 | Multifamily |  | Reviewer Comment (2022-01-13): BPO provided | 01/13/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | D A |  | N/A | No |
| xxxxxx | 761431 | xxxxxx | 24340304 | xxxxxx | xxxxxx | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | The Final Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | Title policy coverage is less than new loan amount. |  | Reviewer Comment (2022-01-13): Received updated Commitment for Title | 01/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | D A |  | N/A | No |
| xxxxxx | 761431 | xxxxxx | 24419340 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOR for the primary residence. |  | Reviewer Comment (2022-01-13): Received Bank Statement to validate housing 0x30 | 01/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | D A |  | N/A | No |
| xxxxxx | 761431 | xxxxxx | 24419369 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Provide a clear flood cert. There are characters transposed over all data. |  | Reviewer Comment (2022-01-13): Updated Flood Cert provided | 01/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | D A |  | N/A | No |
| xxxxxx | 761431 | xxxxxx | 24419510 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the Final HUD-1. Draft only in file. |  | Reviewer Comment (2022-01-13): Received Final (signed) | 01/13/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | D A |  | N/A | No |
| xxxxxx | 761431 | xxxxxx | 24492509 | xxxxxx | xxxxxx | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was BPO and does not support the value used to qualify.; Sec ID: 6 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-03-07): Received second full report supporting value<br>Reviewer Comment (2022-01-20): No new documents received for this condition. Please try uploading again. | 03/07/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | D A |  | N/A | No |
| xxxxxx | 764269 | xxxxxx | 24577025 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Missing the Blanket Policy from the HOA and the borrower's HO-6 Policy dec pages . Please submit for review. |  | Reviewer Comment (2022-03-09): Received | 03/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 764269 | xxxxxx | 24577305 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-02-02): Received DRIVE report | 02/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 764269 | xxxxxx | 24628388 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, a CDA or ARR is required, however there is a CU score of 1 in the file which is acceptable for securitization. | 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.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-02-01): Client elects to waive with verified compensating factors |  |  | 02/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 765912 | xxxxxx | 24773284 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-03-03): PDI received dated xxxxxx : No Damage<br>Reviewer Comment (2022-03-01): PDI will be ordered | 03/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | A |  | N/A | No |
| xxxxxx | 766354 | xxxxxx | 24802139 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Provide the LOE. |  | Reviewer Comment (2022-03-14): Received | 03/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 766354 | xxxxxx | 24803087 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Must cover 100% of insurable value or unpaid principal balance, as long as it covers 80% of the insurable value. Provide the RCE. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-03-18): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-03-15): Per xxxxxx overlays, HOI policy reflecting 100% replacement cost coverage or similar verbiage is acceptable.<br>Reviewer Comment (2022-03-14): Understood that RCE can't be requested; however, still need HOI policy reflecting 100% replacement cost coverage or similar verbiage |  |  | 03/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 766442 | xxxxxx | 24774281 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | The Exchange document in file is not executed by the Intermediary or Buyers. |  | Reviewer Comment (2022-04-07): Received signed Exchange docs | 04/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 766374 | xxxxxx | 24791226 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $130,100.00 is less than Cash From Borrower $302,215.67. | The borrower is short cash to close from the assets provided. Please provide additional assets to cover the costs. |  | Reviewer Comment (2022-04-15): Received additional asset documents. VOD 60 day look-back. | 04/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 766374 | xxxxxx | 24810320 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject. |  | Principal residence, xxxxxx, is not completed. |  | Reviewer Comment (2022-03-02): Per client, they are comfortable with the disclosure as-is which co-insides with the verbiage on the legal documents and other disclosures in file to verify loan is a business purpose loan. | 03/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 766374 | xxxxxx | 24810328 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal unit is missing xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-03-15): Client elects to waive with verified compensating factors |  |  | 03/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 766393 | xxxxxx | 24814982 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the purchase contract addendum signed by all parties with the Final purchase price. |  | Reviewer Comment (2022-03-17): Received Amendment to Escrow Instructions signed by all parties regarding the sales price | 03/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 766429 | xxxxxx | 24816633 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | An LOE from the borrower disclosing the purpose of the cash-out is required on all cash-out transactions. |  | Reviewer Comment (2022-03-16): Received Business Purpose Cash Out Letter<br>Reviewer Comment (2022-03-15): No new attached documents found - please try and resend | 03/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 766467 | xxxxxx | 24816075 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | Credit Report: Original // Borrower: xxxxxx Borrower has 2 Active Tradelines which is less than the minimum required by guidelines. | Lender Exception was requested due to the trade lines not meeting guidelines (2 reporting for 24 months). The exception must be approved by the Investor. | 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. | Reviewer Comment (2022-03-15): Client elects to waive with verified compensating factors |  |  | 03/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 766452 | xxxxxx | 24826000 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 79.68872% exceeds Guideline loan to value percentage of 75.00000%. | Per guidelines, 80% LTV reduced by 5% for unleased property | 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. | Reviewer Comment (2022-03-01): Client elects to waive with verified compensating factors |  |  | 03/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 766452 | xxxxxx | 24855986 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note/DOT reflects the City as xxxxxx vs. xxxxxx. Provide the corrected documents, LOE to borrower, evidence of delivery to the borrower, and Lender's Letter of Intent to Re-Record. | 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. | Reviewer Comment (2022-03-15): Client elects to waive with verified compensating factors |  |  | 03/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 766452 | xxxxxx | 24856104 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | LOE is missing |  | Reviewer Comment (2022-03-16): Received LOE<br>Reviewer Comment (2022-03-15): No new attachment found - please resend | 03/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 766452 | xxxxxx | 24856110 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject. |  | Principal residence, xxxxxx, is not completed. |  | Reviewer Comment (2022-03-02): Per client, they are comfortable with the disclosure as-is which co-insides with the verbiage on the legal documents and other disclosures in file to verify loan is a business purpose loan. | 03/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 766477 | xxxxxx | 24826313 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The policy provided has a coverage shortfall of $27,400. | 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. | Reviewer Comment (2022-03-25): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-03-23): Received HOI with 125% extended coverage; however, this is effective post-close. Need sufficient coverage at time of closing.<br>Reviewer Comment (2022-03-17): The insurance coverage should reflect the insurable value of the improvements, as established by the property insurer. No RCE was provided. Improvements per appraisal = xxxxxx x 80% = xxxxxx minus HOI Coverage of xxxxxx = xxxxxx Shortfall |  |  | 03/25/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 766425 | xxxxxx | 24814613 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx , Valuation Type: Desk Review / Valuation Report date: xxxxxx | Note address is Unit xxxxxx; CDA and appraisal address is Unit xxxxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-03-15): Client elects to waive with verified compensating factors |  |  | 03/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 766425 | xxxxxx | 24814978 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2022-03-23): In file included Limited Liability Company Borrowing Authorization | 03/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 766425 | xxxxxx | 24867688 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The blanket policy does not reflect the subject property address. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-03-15): Client elects to waive with verified compensating factors |  |  | 03/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 766425 | xxxxxx | 24867775 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject. |  | Principal residence, xxxxxx, not completed. |  | Reviewer Comment (2022-03-02): Per client, they are comfortable with the disclosure as-is which co-insides with the verbiage on the legal documents and other disclosures in file to verify loan is a business purpose loan. | 03/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 766482 | xxxxxx | 24825452 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The HOI Dec page has been provided is still showing a shortfall of xxxxxx on the coverage needed. Please have the increase updated to the dwelling coverage noted on the page and than send same for review. |  | Reviewer Comment (2022-03-18): Received separate HOI for each unit; combined is sufficient | 03/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | A |  | N/A | No |
| xxxxxx | 766482 | xxxxxx | 24866100 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of ownership in xxxxxx (currently vested on title). |  | Reviewer Comment (2022-03-18): Received | 03/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | A |  | N/A | No |
| xxxxxx | 766482 | xxxxxx | 24866215 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject. |  | Principal residence, Section xxxxxx, not provided |  | Reviewer Comment (2022-03-02): Per client, they are comfortable with the disclosure as-is which co-insides with the verbiage on the legal documents and other disclosures in file to verify loan is a business purpose loan. | 03/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | A |  | N/A | No |
| xxxxxx | 765989 | xxxxxx | 24862050 | xxxxxx | xxxxxx | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. | Borrower: xxxxxx |  |  | Reviewer Comment (2022-03-17): Received DL | 03/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 765989 | xxxxxx | 24862499 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2022-03-17): Received Articles of Org | 03/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 765989 | xxxxxx | 24862503 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-03-17): Received CoGS; dated xxxxxx  | 03/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 765989 | xxxxxx | 24862504 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Must be 100% owner |  | Reviewer Comment (2022-03-17): Received Ops Agreement | 03/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 764199 | xxxxxx | 24909947 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI mailing address for the borrower is the same as the subject property. |  | Reviewer Comment (2022-03-10): Received updated HOI | 03/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764199 | xxxxxx | 24909967 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The PPP Rider to the DOT contains different terms than the PPP Rider to the Note. Both were executed by the borrower and both contain the current loan number. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-04-18): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-04-12): Received LOE regarding change - removing DOT PP Rider; however, need evidence of delivery to the borrower and need all pages of the corrected DOT<br>Reviewer Comment (2022-04-06): Received LOE regarding change; however, need evidence of delivery to the borrower. In addition, the PPP Rider is linked the Note, not the DOT. PPP Rider first line shows '4. Prepayments', in review the Note Item 4. is for Prepayments. Please provided the DOT PPP Rider.<br>Reviewer Comment (2022-04-05): The documents provided are not sufficient to clear the condition. Instead of correcting the PPP rider to the DOT, the lender removed the check box. Since the borrower executed a DOT rider with different terms, the DOT rider will need to be corrected.<br>In order to clear the condition, the following is required: 1) The DOT rider will need to be corrected and executed as well as the box on Page 2 of the DOT will need to be re-checked since it was removed 2) Provide an LOE to the borrower regarding the discrepancy and advising on the correct PPP term/rider 3) Provide evidence of delivery to the borrower 4) Provide a Letter of Intent to Re-Record with the corrected DOT rider.<br>Reviewer Comment (2022-03-29): Since the DOT contained a rider and it was provided: 1) The DOT rider will need to be corrected and executed as well as the box on page 2 of the DOT will need to be re-checked since it was removed. 2) Provide an LOE to the borrower regarding the discrepancy and advising on the correct PPP term/rider 3) Provide evidence of delivery to the borrower 4) Provide a Letter of Intent to Re-Record with the corrected DOT rider.<br>Reviewer Comment (2022-03-25): PPP Rider to the Note shows 5%. DOT PP Rider shows 6 months advance. PPP terms don't match. |  |  | 04/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764199 | xxxxxx | 24910086 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated only in file. |  | Reviewer Comment (2022-03-25): Received Final (stamped/certified) copy | 03/25/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764331 | xxxxxx | 24921482 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Missing the HOA Blanket Policy for the subject property to cover the Walls Out Coverage and has not been provided. Only the HO-6 policy was and it is creating a shortfall of xxxxxx in coverage required. Please provided the blanket policy for review with the correct mortgagee clause listed on the Certificate of Insurance. |  | Reviewer Comment (2022-03-22): Blanket policy provided | 03/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764331 | xxxxxx | 24921546 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2022-03-22): EIN provided | 03/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764331 | xxxxxx | 24921547 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-03-18): Received DRIVE report | 03/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764331 | xxxxxx | 24921548 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-03-18): Client elects to waive with verified compensating factors |  |  | 03/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764331 | xxxxxx | 24921554 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | Missing a copy of the cancelled check for the EMD and the Bank Statement in which it came from. Please provide for review. |  | Reviewer Comment (2022-03-18): Received account stmnt | 03/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764331 | xxxxxx | 24921572 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $6,000.00 is less than Cash From Borrower $195,244.20. | The file is short to close as no asset statements have been provided. Please provide the Truist Statement shown on the final 1003 or additional assets as required. |  | Reviewer Comment (2022-03-24): Received asset statements | 03/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764331 | xxxxxx | 24921672 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | Borrower's are short reserves as no asset statements have been provided. Please provide assets to satisfy the requirement. |  | Reviewer Comment (2022-03-24): Received asset statements | 03/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764331 | xxxxxx | 24921852 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file included an exception request report granting exception for "updated revised appraisal" but no further details were provided. Please note that the exception was based on reserves exceeding the minimum requirement by 10 months or more, which is not currently accurate as asset documentation is missing from the file. |  | Reviewer Comment (2022-03-24): Received additional asset documents to clear condition<br>Reviewer Comment (2022-03-22): The loan file has 0 reserves. Provide the asset documentation. | 03/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764331 | xxxxxx | 24921895 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-03-18): Approval received | 03/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764331 | xxxxxx | 24921906 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-03-24): Received current CoGS | 03/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764331 | xxxxxx | 24942841 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a clear document. Document in file is not legible. |  | Reviewer Comment (2022-03-24): Received copy signed by borrower and closing agent | 03/24/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 764331 | xxxxxx | 24942923 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA does not reflect the Unit number. |  | Reviewer Comment (2022-03-28): Received updated CDA | 03/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 766128 | xxxxxx | 24929863 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-03-10): Received Approval | 03/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 766128 | xxxxxx | 24930739 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 72.13374% exceeds Guideline combined loan to value percentage of 70.00000%. | The maximum CLTV is 70% for a DSCR less than 1.0. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-03-09): Client elects to waive with verified compensating factors |  |  | 03/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 766128 | xxxxxx | 24946930 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide 6 months cancelled checks for the private party mortgage. Only 1 month bank statement was provided. |  | Reviewer Comment (2022-03-14): Received Note to validate payment terms. Mortgage statement validate borrower made payments xxxxxx xxxxxx with Due Date xxxxxx . Payoff Statement dated xxxxxx 2 - loan is due for xxxxxx . Payoff Statement dated xxxxxx - loan is due for xxxxxx . | 03/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 766128 | xxxxxx | 24947051 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Provide the completed Occupancy Cert. Occupancy Cert in file has Primary crossed out and initialed but nothing else was completed. |  | Reviewer Comment (2022-03-10): Received Occupancy Cert with Investment Property checked | 03/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 767462 | xxxxxx | 25200394 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 | Multifamily |  | Reviewer Comment (2022-07-11): BPO provided<br>Reviewer Comment (2022-06-28): BPO will be ordered | 07/11/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 767462 | xxxxxx | 25201011 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2022-10-14): Ops Agreement provided. See new condition<br>Reviewer Comment (2022-07-15): The full operating agreement needs to be provided. Also, if the trust is 100% owner of the Entity as stated on the resolution, the trust agreement/certification of trust will also be required. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 767462 | xxxxxx | 25201012 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-06-28): Client elects to waive with verified compensation factors |  |  | 06/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 767462 | xxxxxx | 25201772 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | PPP rider to be corrected as the date reflected for the PPP term months is the same as the Note date. Other documents in file reflect the PPP has a term of 36 months. |  | Reviewer Comment (2022-05-27): Received executed copy of corrected PPP Rider with letter of intent to re-record.<br>Reviewer Comment (2022-04-28): Received a copy of the corrected PPP Rider; however, this document has not been executed by the borrower | 05/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 767462 | xxxxxx | 25201996 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $250,000.00. | Per guideline matrix, the minimum loan amount is xxxxxx. The loan file includes a lender approved exception to allow a loan amount of xxxxxx . All exceptions must come from the Investor. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-05-19): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-05-13): All exceptions must come from the Investor<br>Reviewer Comment (2022-05-13): The investor is purchasing the loan. All exceptions granted/requested by the lender, even on lender underwritten loans, must be approved by the investor. Investor can elect to waive with verified compensation factor. |  |  | 05/19/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 767462 | xxxxxx | 25201997 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Loan was approved under the xxxxxx which per guideline matrix states cash-out may not be used to satisfy reserve requirement. No additional assets were provided with the file. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-05-19): Client elects to waive with verified compensating factors |  |  | 05/19/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 767462 | xxxxxx | 26985185 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  | Per the Operating Agreement provided post review, the Entity is owned 100% by a trust. The Trust Agreement/Trust Certification is required. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 768982 | xxxxxx | 25216141 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 | Missing second valuation needed for Securitization and was not provided. |  | Reviewer Comment (2022-04-12): CDA received<br>Reviewer Comment (2022-04-11): CDA will be ordered | 04/12/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 768982 | xxxxxx | 25242641 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Flip Transaction: When the subject property is being resold within 180 days of its acquisition by the seller and the sales price has increased more than 20%, the transaction is considered a flip. |  | Reviewer Comment (2022-04-22): Flip transaction requirement met; Arms Length, No pattern of flipping, listed through MLS, No assignment, CDA provided | 04/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 768982 | xxxxxx | 25242677 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | HOI mailing address for the borrower is the same as the subject property. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-04-13): Client elects to waive with verified compensating factors |  |  | 04/13/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 767195 | xxxxxx | 25248903 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The Note lists one unit in the address, whereas, the Primary Appraisal lists both unit's in the address. In addition, both the Appraisal and Desk Review does not include xxxxxx as part of the city (listed on the Note) | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-04-19): Client elects to waive with verified compensating factors.<br>Assessor Parcel Number confirmed<br>Reviewer Comment (2022-04-15): Appraisal only provided, however the City was the only item updated. The address still lists both units. Further, the corrected CDA was not provided. |  |  | 01/17/2023 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 767195 | xxxxxx | 25248952 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The Note lists the City as xxxxxx, whereas, the Hazard Inurance Policy lists the City as xxxxxx. |  | Reviewer Comment (2022-04-15): Received updated HOI | 04/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 767195 | xxxxxx | 25249971 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The loan file did not include final approval, or 1008 form with Underwriter name listed, as required |  | Reviewer Comment (2022-04-14): Received 1008 with UW name | 04/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 767195 | xxxxxx | 25261077 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The price in the borrower's purchase agreement exceeds the property Seller's acquisition price by more than 10% if the property Seller acquired the property 90 or fewer days prior to the date of the borrower's purchase agreement. This also applies to newly constructed residences in which land only was purchased and built upon. |  | Reviewer Comment (2022-04-14): Note date xxxxxx . Seller purchase of xxxxxx xxxxxx Purchase of xxxxxx . 10% pf purchase would be xxxxxx  | 04/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 768173 | xxxxxx | 25302203 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence the borrower is a xxxxxx Citizen via a xxxxxx Passport. Per the SS card in file, states valid for work authorization only which is a Non-Perm Resident. Additional conditions may apply. |  | Reviewer Comment (2022-04-22): EAD provided in trailing documents. Borrower is not a xxxxxx citizen and a Non-Perm Resident. See the additional conditions added to the loan file. | 04/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 768173 | xxxxxx | 25451907 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003. Borrower is Non-Perm Resident per EAD provided. |  | Reviewer Comment (2022-04-26): Updated 1003 provided | 04/26/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 768173 | xxxxxx | 25451931 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is a Non-Perm Resident. Provide a copy of the borrower's unexpired VISA. If the VISA will expires within 6 months following the close date, additional documentation is required: evidence that the proper extension steps have been followed per the xxxxxx website, along with proof of payment receipt and proof that the extension was done in the timeframe required by xxxxxx. Further, if the VISA will expires within 6 months of the loan application, it is acceptable to obtain a letter from the employer documenting the borrower's continued employment and continued VISA renewal sponsorship. The employer on the loan application must be the same as the unexpired VISA. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-05-10): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-05-09): The document provided does not provide the following: Evidence that the proper extension steps have been followed per the xxxxxx website, along with proof of payment receipt and proof that the extension was done in the timeframe required by xxxxxx. |  |  | 05/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 768173 | xxxxxx | 25451933 | xxxxxx | xxxxxx | 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%. | Max for Non-Perm Residents. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-04-25): Client elects to waive with verified compensating factors |  |  | 04/25/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 767192 | xxxxxx | 25303019 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-05-23): Received current CoGS | 05/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 767192 | xxxxxx | 25303025 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2022-05-10): Received Articles of Organization<br>Reviewer Comment (2022-05-02): Reviewed all new documents and did not find Articles of Organization/Formation | 05/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 767192 | xxxxxx | 25303039 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Must be 100% owner. |  | Reviewer Comment (2022-05-04): Operating Agreement validates that guarantor is sole owner/member<br>Reviewer Comment (2022-05-02): Received Operating Agreement for subjects Entity; however, this is owned by xxxxxx. Need Operating agreement for xxxxxx Team to validate guarantors ownership in this company. | 05/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 767192 | xxxxxx | 25303048 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  | 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.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-05-13): Client elects to waive with verified compensating factors |  |  | 05/13/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 767192 | xxxxxx | 25303089 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | A summary review of all the documentation in the loan file. |  | Drivers license, hazard policy and credit report all show subject property as borrower's mailing address, and a letter of explanation was missing from the file. |  | Reviewer Comment (2022-05-10): Received LOE from borrower and a lease agreement for primary res beginning xxxxxx  | 05/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 767192 | xxxxxx | 25303211 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the subject property. |  | Reviewer Comment (2022-05-02): Received Supplement al Report, 0x30, ND xxxxxx  | 05/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 767192 | xxxxxx | 25304363 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The loan file is missing a copy of the Final Approval and/or 1008 with the Underwriter's name included. |  | Reviewer Comment (2022-05-02): Approval received | 05/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 767192 | xxxxxx | 25304735 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per application borrower is currently renting their primary, however the file is missing a Verification of Rent as required. Please provide. |  | Reviewer Comment (2022-05-13): VOR received; 0x30<br>Reviewer Comment (2022-05-10): We have since received an LOE from borrower regarding moving into xxxxxx with a Lease Agreement with a xxxxxx per month rent payment. Will need to validate 0x30.<br>Reviewer Comment (2022-04-28): Application should be checked 'No Primary Housing Expense' and file should include a rent-free LOE to validate. | 05/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 767192 | xxxxxx | 25336635 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | HOI mailing address for the borrower is the same as the subject property. Further, the policy does not reflect the Entity as insured. | 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.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-05-17): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-05-16): Did not received any new documents since last comment; The policy does not reflect the Entity as insured.<br>Reviewer Comment (2022-05-13): Received updated HOI updating mailing address; however, exception also notates the policy does not reflect the Entity as insured. |  |  | 05/17/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 768308 | xxxxxx | 25539928 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | The guarantor is considered a first time investor, which per guidelines would not be permitted on a cash-out refinance. The loan file includes an investor approved exception to allow. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-05-06): Client elects to waive with verified compensation factors |  |  | 05/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 768308 | xxxxxx | 25539968 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing protection letter was not provided. |  | Reviewer Comment (2022-05-11): CPL received | 05/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 768308 | xxxxxx | 25540013 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $562,292.05 is greater than Guideline total cash-out of $500,000.00. | Per guidelines, max cash-out is $500,000 for 65% LTV. The loan file includes an investor approved exception to allow cash-out exceeding this amount. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-05-06): Client elects to waive with verified compensation factors |  |  | 05/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 768308 | xxxxxx | 25540379 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | An approval with conditions or 1008 with Underwriter name is required on every loan, but is missing from the file. |  | Reviewer Comment (2022-05-11): 1008 with xxxxxx name provided | 05/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 768308 | xxxxxx | 25542324 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | Borrower: xxxxxx % of Business Ownership: 50.00% |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-05-06): Guidelines require all owners of the borrowing entity to guarantee the loan. One of the owner's owning 50% was not included, however the file includes an investor approved exception to allow with this member not on the loan. |  |  | 05/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 768170 | xxxxxx | 25510250 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2022-05-11): HOI received | 05/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 768170 | xxxxxx | 25512697 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A Investor Exception was provided. Borrower is a first time investor with a mortgage late reporting within the most recent 36 months. | 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. | Reviewer Comment (2022-05-06): Client elects to waive with verified compensation factors |  |  | 05/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 768170 | xxxxxx | 25543092 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Appraisal reflects Tenant Occupied, however lease information is not on the 1007. |  | Reviewer Comment (2022-05-11): Borrower LOE provided. | 05/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 770654 | xxxxxx | 25558691 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The appraisal provided includes 3 individual unit #'s under the property address, which does not match up with the address of the note, only listing one. |  | Reviewer Comment (2022-06-01): Lender provided corrected Note to include all unit numbers. See new condition. | 06/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | D B |  | N/A | No |
| xxxxxx | 770654 | xxxxxx | 25564876 | xxxxxx | xxxxxx | Credit | Business Purpose | General | Business Purpose | Insurance Policy Expiration Date is less than 30 days from the Note Date and does not have automatic renewal. |  | Per guidelines, on all refinance transactions, if the coverage termination date is within 60 days of the closing, evidence of continuing coverage is required. The policy provided expired xxxxxx and closed xxxxxx without evidence of continued coverage in the file. |  | Reviewer Comment (2022-06-13): Received Policy Endorsement with Policy Exp Date of xxxxxx  | 06/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | D B |  | N/A | No |
| xxxxxx | 770654 | xxxxxx | 25564884 | xxxxxx | xxxxxx | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet xxxxxx criteria.; Sec ID: 11 | Note date: xxxxxx ; Lien Position: 1 | Per guidelines and due to not meeting securitization requirement, AVM is not acceptable. CDA or ARR is required. |  | Reviewer Comment (2022-05-19): CDA received<br>Reviewer Comment (2022-05-16): CDA will be ordered | 05/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | D B |  | N/A | No |
| xxxxxx | 770654 | xxxxxx | 25565005 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2022-06-14): Received | 06/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | D B |  | N/A | No |
| xxxxxx | 770654 | xxxxxx | 25565020 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated Settlement Statement only in file. |  | Reviewer Comment (2022-05-24): Received Final (Certified) Statement | 05/24/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | D B |  | N/A | No |
| xxxxxx | 770654 | xxxxxx | 25565026 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Reflects units xxxxxx in the address. |  | Reviewer Comment (2022-06-13): Received HOI covering each unit | 06/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | D B |  | N/A | No |
| xxxxxx | 770654 | xxxxxx | 25565218 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CPL and Title Policy reflect all units in the address vs. Note/DOT/Flood Cert which reflect xxxxxx. |  | Reviewer Comment (2022-06-01): Lender provided corrected Note to include all units. See revised condition. | 06/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | D B |  | N/A | No |
| xxxxxx | 770654 | xxxxxx | 25673999 | xxxxxx | xxxxxx | 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: xxxxxx ; Lien Position: 1 |  | 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. | Reviewer Comment (2022-05-19): Client elects to waive |  |  | 05/19/2022 | 2 A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | D B |  | N/A | No |
| xxxxxx | 770654 | xxxxxx | 25832636 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Post Review, received revised Note to include all unit addresses. Note needs to reflect "Corrected" at the top. In addition, will now need corrected DOT + Riders, corrected Business Purpose Cert, corrected Occupancy Cert, corrected Flood Cert, corrected CDA, and corrected 1003 to include all unit numbers. Also, will need LOE to borrower, evidence of delivery to the borrower, and Lender's Letter of Intent to Re-Record. | 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. | Reviewer Comment (2022-06-07): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-06-06): Received updated Occupancy Cert, BP Cert, Flood Cert and a re-recorded DOT. Still need Note needs to reflect "Corrected" at the top, the corrected 1003 to include all unit numbers and the LOE to borrower, evidence of delivery to the borrower. |  |  | 06/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | D B |  | N/A | No |
| xxxxxx | 770503 | xxxxxx | 25607050 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | Projects in current litigation are not allowed unless the litigation meets xxxxxx guidelines. Branch must provide documentation to support. |  | Reviewer Comment (2022-05-20): HOA Questionnaire received | 05/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 770518 | xxxxxx | 25583272 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source of funds for large deposits into xxxxxx Acct #xxxxxx xxxxxx 446,341.15 xxxxxx 52,000.00<br> There is a Closing Statement in file for sale of property at xxxxxx on xxxxxx however, the Borrower's name does not match borrower's name and there is no evidence of ownership in the file. |  | Reviewer Comment (2022-06-28): Received Closing Statement for sale of property under LLC including a itemized closing proceeds distribution list that includes borrower portion from sale. Amount matches deposit in personal checking.<br>Reviewer Comment (2022-06-20): Received sourcing for xxxxxx; however, no documentation was provided for to source xxxxxx. | 06/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | D A |  | N/A | No |
| xxxxxx | 770518 | xxxxxx | 25583489 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 | Secondary valuation is missing. |  | Reviewer Comment (2022-05-19): CDA received; support value<br>Reviewer Comment (2022-05-13): CDA will be ordered | 05/19/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | D A |  | N/A | No |
| xxxxxx | 770518 | xxxxxx | 25583493 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary <br> State:xxxxxx |  |  | Reviewer Comment (2022-06-01): Title supplement letter provided with insured amount to be reflected (loan amount). | 06/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | D A |  | N/A | No |
| xxxxxx | 770518 | xxxxxx | 25613275 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the Ground Lease. |  | Reviewer Comment (2022-05-27): Received<br>Reviewer Comment (2022-05-23): Received the xxxxxx Lease Analysis completed by the appraiser. Need the actual xxxxxx Lease. | 05/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | D A |  | N/A | No |
| xxxxxx | 770515 | xxxxxx | 25583815 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-05-19): CDA received; supports value<br>Reviewer Comment (2022-05-13): CDA will be ordered | 05/19/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | D A |  | N/A | No |
| xxxxxx | 770515 | xxxxxx | 25615122 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide evidence of receipt of the $103,500 gift funds. |  | Reviewer Comment (2022-06-20): Borrower purchased 2 subjects simultaneously. Both included Gift Funds. Title agent received 1 lump sum deposit and disbursed funds accordingly to each individual property.<br>Reviewer Comment (2022-06-07): Received wire details for xxxxxx (does not match provided Gift Letters and transaction on the HUD). We need the wire or official check for the gift funds for $103,500. Further the gift funds per the disbursement ledger total $185,500. Gift letters in file are only for $17,500 and $103,500. Total $121,000. In addition, provide the additional gift letters w/addendums for $64,500 + evidence of wire transfer/official check.<br>Reviewer Comment (2022-05-31): The disbursement ledger is not acceptable. We would need the wire or official check for the gift funds for $103,500 . Further the gift funds per the disbursement ledger total xxxxxx . Gift letters in file are only for $17,500 and $103,500 . Total $121,000 . In addition, provide the additional gift letters w/addendums for $64,500 + evidence of wire transfer/official check.<br>Reviewer Comment (2022-05-23): No new uploads received - please resend | 06/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | D A |  | N/A | No |
| xxxxxx | 770502 | xxxxxx | 25589149 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 | Loan is set for securitization and secondary valuation not provided. |  | Reviewer Comment (2022-06-09): CDA received<br>Reviewer Comment (2022-05-13): CDA will be ordered | 06/09/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 770502 | xxxxxx | 25596941 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Minimum of xxxxxx is required for a condo. The subject is xxxxxx. | Borrower's Experience/Track Record. Currently holds 5 Properties. | Reviewer Comment (2022-06-10): Client elects to waive with verified compensating factors |  |  | 06/10/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 770502 | xxxxxx | 25613680 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a copy of the unexpired VISA. | Borrower's Experience/Track Record. Currently holds 5 Properties. | Reviewer Comment (2022-06-10): Client elects to waive with verified compensating factors |  |  | 06/10/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 770597 | xxxxxx | 25667923 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Insured closing letter missing in file. |  | Reviewer Comment (2022-05-27): CPL received | 05/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 770597 | xxxxxx | 25669080 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing not provided |  | Reviewer Comment (2022-05-27): Received current CoGS | 05/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 770597 | xxxxxx | 25669085 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement missing in file. Guarantor must be 100% owner. |  | Reviewer Comment (2022-05-27): Ops Agreement received; guarantor is 100% owner.<br>Reviewer Comment (2022-05-27): Reviewed all new attachments and the Operating Agreement was not found - please resend | 05/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 770597 | xxxxxx | 25669107 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement not provided |  | Reviewer Comment (2022-05-27): Purchase Contract provided | 05/27/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 770597 | xxxxxx | 25669155 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of identification missing in file. |  | Reviewer Comment (2022-05-27): DL received | 05/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 770597 | xxxxxx | 25669166 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Article of organization is missing. |  | Reviewer Comment (2022-05-27): Articles of Org received | 05/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 770597 | xxxxxx | 25696146 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | Appraisal reflects property is in a PUD, however no PUD rider is attached to the DOT. Provide the executed PUD rider, corrected page of the DOT to include PUD rider, LOE to borrower, evidence of delivery to the borrower, and lender's letter of intent to re-record. |  | Reviewer Comment (2022-07-06): All requested documents received. | 07/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 770597 | xxxxxx | 25696208 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  |  |  | Reviewer Comment (2022-05-27): xxxxxx cupancy Affidavit received | 05/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 770597 | xxxxxx | 25696214 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-05-27): xxxxxx cupancy Affidavit received | 05/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 770597 | xxxxxx | 25696246 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2022-05-27): Guaranty received | 05/27/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 767154 | xxxxxx | 25732033 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Must reflect sufficient dwelling coverage per guidelines plus mortgage + ISAOA. |  | Reviewer Comment (2022-07-21): Received hazard policy with sufficient coveage. | 07/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 767154 | xxxxxx | 25732217 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 | Secondary valuation is missing |  | Reviewer Comment (2022-07-21): Received Collateral Underwriter Risk Score of 1.5. | 07/21/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 767154 | xxxxxx | 25732344 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | Per the title commitment- the title policy amount xxxxxx |  | Reviewer Comment (2022-07-15): Updated policy provided | 07/15/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 767154 | xxxxxx | 25732401 | xxxxxx | xxxxxx | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. | Borrower: xxxxxx | Missing verification of borrower's identity. |  | Reviewer Comment (2022-07-15): DL provided | 07/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 767154 | xxxxxx | 25732490 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Missing Non-Owner Occupancy. |  | Reviewer Comment (2022-07-15): NOO provided | 07/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 767154 | xxxxxx | 25732709 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guideline 12 months housing history for borrower's primary residence and subject property. For properties owned free and clear, a property profile report or similar document showing no liens against the property should be included in the credit file. |  | Reviewer Comment (2022-07-25): Clarification letter provided, lien not for subject property.<br>Reviewer Comment (2022-07-25): No letter from title was received. Please try resending just that document.<br>Reviewer Comment (2022-07-21): No letter from title provided<br>Reviewer Comment (2022-07-15): Search and Note provided. There is an SBA lien on title which the Note reflects monthly payments are due. 12 month payment history is required. | 07/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 767154 | xxxxxx | 25754187 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | > 90 day old |  | Reviewer Comment (2022-07-21): Cleared | 07/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 767154 | xxxxxx | 25754336 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | DOT does not reflect a Notary Date. |  | Reviewer Comment (2022-07-27): Additional documents received<br>Reviewer Comment (2022-07-25): xxxxxx affidavit received. Pending receipt of LOE to borrower and evidence, evidence of delivery to the borrower, and Lender's Intent to re-record.<br>Reviewer Comment (2022-07-21): Please provide a scriveners affidavit for the changes. | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 772042 | xxxxxx | 25893728 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note does not specifically specify the PPP term. |  | Reviewer Comment (2022-06-28): Received Note with PPP Term<br>Reviewer Comment (2022-06-14): Note specifies a period of time, but does not specify term or charge if prepaid. (must meet guideline specifications) | 06/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 772042 | xxxxxx | 25899865 | xxxxxx | xxxxxx | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. | Borrower: xxxxxx | No verification of borrower identification was provided |  | Reviewer Comment (2022-06-17): DL received | 06/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 772042 | xxxxxx | 25920508 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | 6 months required |  | Reviewer Comment (2022-06-14): Received HOI Declaration that shows Fair Rental and Additional Living Expense | 06/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 771578 | xxxxxx | 25884239 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx, Borrower: xxxxxx | Foreign national borrower and ACH was not provided. |  | Reviewer Comment (2022-07-12): ACH Form was provided. | 07/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 771578 | xxxxxx | 25884249 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the Final Settlement Statement/HUD-1/CD. |  | Reviewer Comment (2022-06-14): Received executed Final CD | 06/14/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 771578 | xxxxxx | 25908247 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI mailing address for the Borrower is the same as the subject property. |  | Reviewer Comment (2022-06-14): Received updated HOI | 06/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 771578 | xxxxxx | 25908352 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: 1003 Final not provided |  | A completed an signed application for xxxxxx was not provided. |  | Reviewer Comment (2022-06-14): 1003 received | 06/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 771578 | xxxxxx | 25908384 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing for xxxxxx |  | Reviewer Comment (2022-06-14): Received | 06/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 771578 | xxxxxx | 25908386 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing for xxxxxx. |  | Reviewer Comment (2022-06-14): Received | 06/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 771578 | xxxxxx | 25908506 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | Alternative credit guidelines not met. Both borrowers require 2 alternative credit references open for 2 years. 1 reference letter was provided for each Guarantor and neither meet the guideline requirements. Per guidelines, each letter of reference must state the type and length of the relationship, how the account is held, payment amount, outstanding balance and status of account including a minimum 12-month payment history and each letter must contain name, title & contact information of the person signing the letter. |  | Reviewer Comment (2022-07-12): Alternative Credit Documentation were provided | 07/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 771578 | xxxxxx | 25908631 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrowers to provide a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement. |  | Reviewer Comment (2022-06-14): Received CPA Letter (with credentials) certifying borrowers citizenship and address details. | 06/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 771578 | xxxxxx | 25908665 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 69.99984% exceeds Guideline loan to value percentage of 65.00000%. | DSCR < 1.00, max LTV 65%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-07-07): The LOE form the title agent verifies they based the taxes off of a rate of 13.8543 and CDD fees and that the estimate is based on the sales price. The signed document in file is form the xxxxxx Tax Assessor with a verified estimate amount of xxxxxx annually which co-insides with the tax rate of xxxxxx x sales price. Condition remains.<br>Reviewer Comment (2022-06-15): Tax Cert does not clear. Loan closed with escrows; P/I = xxxxxx , Tax = xxxxxx , Ins = xxxxxx , HOA = xxxxxx = xxxxxx . |  |  | 07/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 769761 | xxxxxx | 25901728 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM's for the subject property are from non-institutional lenders. The pay histories and bank statements in file do not cover 6 months of history. 6 months cancelled checks required for each. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-14): Comp factors used to waive exception<br>Reviewer Comment (2022-07-12): 1 pay history provided is not for the subject properties and 1 other pay history provided for the property on xxxxxx which covers sufficient months. Still need complete pay history or cancelled checks for properties on xxxxxx and xxxxxx . |  |  | 07/14/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 769761 | xxxxxx | 25902011 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Properties on xxxxxx were purchased between xxxxxx and the appraised value was utilized for LTV calculations by the Lender. There is no evidence of purchase price or documented improvements for the property on second and no evidence of documented improvements for the property on xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-14): Comp factors used to waive exception<br>Reviewer Comment (2022-07-12): An LOE was received by the borrower with estimates on scope of work which is not acceptable. Further, adding those amounts to the purchase price to utilize for LTV value would still make it excessive. Investor exception will be required to utilize the appraised value.<br>Reviewer Comment (2022-07-10): Utilizing the purchase price with no documented improvements, the LTV would exceeds guidelines. Investor exception will be required for seasoning requirements as appraised values were utilized. |  |  | 07/14/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 769761 | xxxxxx | 25902020 | xxxxxx | xxxxxx | 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 1.10 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.20. | Minimum required for cross collateral loans. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-14): Comp factors used to waive exception |  |  | 07/14/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 770994 | xxxxxx | 26035045 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file to allow the use use of new lease rental income of $1,800 vs 1007 estimated rents and without 2 months rent receipts. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-06-20): Client elects to waive with verified compensation factors |  |  | 06/20/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 770994 | xxxxxx | 26035100 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-06-23): Received a current CoGS | 06/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772419 | xxxxxx | 26088085 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note is not executed as the Entity by Guarantor. Executed as an Individual only, however per the Security Instrument, closed in an LLC. |  | Reviewer Comment (2022-07-21): Cleared | 07/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 772419 | xxxxxx | 26088164 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The terms on the Prepayment Note Addendum were not completed/do not match the Security Instrument Prepayment Rider. If the PPP to the Note is correct, the lender must provide an executed and corrected PPP rider to the DOT, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. If the PPP rider to the DOT is correct, lender must provide an executed and corrected PPP to the Note, LOE to borrower, and evidence of delivery to the borrower. |  | Reviewer Comment (2022-09-08): Received LOE to borrower and evidence of delivery to the borrower<br>Reviewer Comment (2022-08-29): Received updated PPP Addendum to the Note. Pending receipt of LOE to borrower and evidence of delivery to the borrower. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 772419 | xxxxxx | 26088198 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Property owned xxxxxx and the appraised value was utilized to qualify. The lower of the appraised value or purchase price + documented improvements is to be utilized. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record. The borrower has 5 Years of Experience. Currently holds 3 Properties. | Reviewer Comment (2022-07-28): The client elects to waive with comp factors. |  |  | 07/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 772419 | xxxxxx | 26088209 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record. The borrower has 5 Years of Experience. Currently holds 3 Properties. | Reviewer Comment (2022-08-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-12): The updated HOI policy is dated post closing. Provide the pre-closing HOI with the corrections.<br>Reviewer Comment (2022-07-21): Please have the HOI updated to reflect the borrowing entity. |  |  | 08/17/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 772419 | xxxxxx | 26088289 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2022-08-29): Guarantor Agreement received and associated. Exception CLeared. | 08/29/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 772419 | xxxxxx | 26088295 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Document in file is blank. |  | Reviewer Comment (2022-07-21): Cleared | 07/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 772419 | xxxxxx | 26088386 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Provide the Lease Agreement. Appraisal reflects Tenant Occupied, however 1007 does not reflect the information. If property is vacant, 5% LTV deduction will need to be applied which will result in an LTV violation. |  | Reviewer Comment (2022-09-01): xxxxxx lease agreement received. Exception Cleared. | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 769465 | xxxxxx | 26093020 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | > 90 days old. |  | Reviewer Comment (2022-07-27): Provided certificate of good standing | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 769465 | xxxxxx | 26093049 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Purchase Contract addendum stating seller will issue notice to tenants to vacate and property was not signed nor dated by the buyer nor seller. |  | Reviewer Comment (2022-07-27): Provided executed contract and addendum | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 772682 | xxxxxx | 26088214 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Address: xxxxxx | RCE amount was not covered. |  |  | 06/30/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 772682 | xxxxxx | 26088293 | xxxxxx | xxxxxx | 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 maximum LTV with a 660 FICO is 70%. The subject properties are considered unleased due to no longer term lease in place which requires a 5% LTV deduction. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-07-11): Utilizing short term rental to qualify. 5% LTV deduction still applies. |  |  | 07/12/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 772682 | xxxxxx | 26089851 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.89 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.20. | The minimum DSCR for the Cross Collateral Program is 1.20. |  | Reviewer Comment (2022-07-11): xxxxxx leger provided for each property. DSCR > 1.20.<br>Reviewer Comment (2022-07-11): The lookback provided does not a breakdown of which property belong to which transation printout. | 07/11/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 772682 | xxxxxx | 26098570 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | VOM's on subject properties are from a non-institutional lender. Provide cancelled checks. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-12): Client elects to waive with verified compensation factors |  |  | 07/12/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 770522 | xxxxxx | 26087235 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Guidelines require an LTV of less than 80% for escrow waiver. LTV is at 80%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 . | Reviewer Comment (2022-07-06): Client elects to waive with verified compensation factors |  |  | 07/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 770318 | xxxxxx | 26116467 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address:xxxxxx | Tax certificate is missing. |  | Reviewer Comment (2022-07-07): Tax Cert provided<br>Reviewer Comment (2022-07-05): No additional documents received. The tax certificates previously provided also show 0.00 for all years.<br>Reviewer Comment (2022-07-03): Document received shows all years as 0.00. Please provide tax certificate verifying property taxes for the subject property. | 07/07/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 770318 | xxxxxx | 26116475 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx | Tax certificate is missing. |  | Reviewer Comment (2022-07-07): Tax Cert provided<br>Reviewer Comment (2022-07-03): Document received shows all years as 0.00. Please provide tax certificate verifying property taxes for xxxxxx | 07/07/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 770318 | xxxxxx | 26116477 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx | Tax certificate is missing. |  | Reviewer Comment (2022-07-07): Tax Cert provided<br>Reviewer Comment (2022-07-03): Document received shows all years as 0.00. Please provide tax certificate verifying property taxes for xxxxxx . | 07/07/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 770318 | xxxxxx | 26157387 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The background report for the Guarantor reflect judgments that were not addressed: xxxxxx:xxxxxx. There are two judgments being paid off for xxxxxx and xxxxxx but the amounts are less than was is reflected on the background report. |  | Reviewer Comment (2022-07-11): Evidence the judgments were being off was provided. | 07/11/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 770318 | xxxxxx | 26157441 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM's for the mortgages being paid through closing. If non-institiuonal lenders, cancelled checks will be required. |  | Reviewer Comment (2022-07-07): VOM's provided<br>Reviewer Comment (2022-07-03): Reviewed VOM's received and still need VOM for xxxxxx . | 07/07/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 770318 | xxxxxx | 26157491 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a clear title policy. There was a judgment search not attached as well as multiple municipal water/tax liens. There were no payoffs provided, so cannot determine if sufficient amounts were paid at closing. |  | Reviewer Comment (2022-07-15): Received letter for settlement services stating all liens/judgments are paid on all properties as well as holding xxxxxx in funds and xxxxxx provided.<br>Reviewer Comment (2022-07-14): Please provide a clear title once receipt of the payoffs has been received<br>Reviewer Comment (2022-07-12): The search only shows judgments, the borrower's name and active. Provide the clear title policy for the loan. | 07/15/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 770318 | xxxxxx | 26157618 | xxxxxx | xxxxxx | 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%. | Several properties are vacant which requires a 5% LTV deduction. Max LTV is 65%. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-07-03): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-06-30): Correct. Several properties were not leased at time of closing which requires a 5% LTV deduction. Max 65%. Condition remains. |  |  | 07/03/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 770318 | xxxxxx | 26195362 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Receipt of current year franchise tax payment or clear search required. |  | Reviewer Comment (2022-07-11): Marked title was provided. | 07/11/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 771473 | xxxxxx | 26095969 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI does not meet the RCE or lender guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-12): Client elects to waive with verified compensation factors |  |  | 07/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 771473 | xxxxxx | 26096244 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Not provided. |  | Reviewer Comment (2022-07-12): CPL provided | 07/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 771473 | xxxxxx | 26152609 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The title policy in file is > 60 days old (dated xxxxxx). |  | Reviewer Comment (2022-07-12): Updated title provided | 07/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 772177 | xxxxxx | 26098326 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | There is no executed application in file. |  | Reviewer Comment (2022-07-04): Received | 07/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772177 | xxxxxx | 26098347 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | > 12 months old. |  | Reviewer Comment (2022-07-07): Certificate of Good Standing was provided | 07/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772177 | xxxxxx | 26159561 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Leases are transferring. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-07-22): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-07-20): Lender would like to waive<br>Reviewer Comment (2022-07-14): xxxxxx received. Needed for xxxxxx. If the document cannot be obtained you will need to obtain an exception from the investor to waive this requirement for the lease and utilize the amount on the xxxxxx for leases.<br>Reviewer Comment (2022-07-13): The guidelines only state a lease agreement is required. Does not state that this excluded purchases when a lease is transferring to the current borrower. Condition remains. |  |  | 07/22/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772177 | xxxxxx | 26159583 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Quote only in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-07-26): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-07-13): The HOI in file is a quote only and does not reflect the mortgagee + ISAOA.<br>Reviewer Comment (2022-07-07): The document provided does not reflect the requested information. |  |  | 07/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772177 | xxxxxx | 26159588 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx , Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and CDAdo not reflect the second unit number in the address. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-07-26): Waived with compensating factors per investor request.<br>Assessor Parcel Number confirmed |  |  | 07/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772177 | xxxxxx | 26160256 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI address does not reflect the Block/Lot as per the Note/DOT. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-07-26): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-07-20): Lender would like to waive |  |  | 07/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772683 | xxxxxx | 26147899 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $74,975.46 is less than Cash From Borrower $381,821.10. |  |  | Reviewer Comment (2022-07-05): Final SS from C/O proceeds provided from additional investment properties. | 07/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772683 | xxxxxx | 26147905 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. |  |  | Reviewer Comment (2022-07-05): Final SS from C/O proceeds provided from additional investment properties. | 07/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772683 | xxxxxx | 26201858 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Short Term Rental Income – Purchase and Refinance Transactions<br> o Any of the following methods may be used to determine monthly rental income:<br> ▪ A 1007 or 1025 Comparable Rent Schedule survey prepared by the appraiser reflecting long term market rents.<br> ▪ A most recent 12-month rental history statement from the rental service that identifies the subject property/unit. The rental income will exclude all vendor or management fees.<br> ▪ The most recent 12-month bank statements from the borrower evidencing short term rental deposits. Borrower must provide rental records for the subject property to support monthly deposits.<br> The 1007 does not reflect long term rents. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 .<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-07-14): The client elects to waive with comp factors. |  |  | 07/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772807 | xxxxxx | 26230436 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Judgment on background check for $5,809 not addressed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-07-14): Client elects to waive with verified compensation factors |  |  | 07/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772807 | xxxxxx | 26230439 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | HOI mailing address for the borrower is the same as the subject property. |  | Reviewer Comment (2022-07-11): The renewal policy has the borrower's home address listed for the mailing address. | 07/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772807 | xxxxxx | 26230489 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the purchase contract addendum with the final purchase price of xxxxxx |  | Reviewer Comment (2022-07-11): The full purchase contract was provided. | 07/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 773362 | xxxxxx | 26226627 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | Subject property: If a borrower has a privately held mortgage all the following documentation is required:<br> · Payments must be verified with either canceled checks or bank statements AND<br> · A copy of the note is required to verify payment amount and due date |  | Reviewer Comment (2022-07-14): 12-month payment history for a private mortgage was provided. | 07/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 773425 | xxxxxx | 26202901 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower mailing address on the Hazard Insurance Policy is the same as the subject property (investment). |  | Reviewer Comment (2022-07-21): Corrected HOI provided | 07/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 773425 | xxxxxx | 26203050 | xxxxxx | xxxxxx | 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%. | The loan file includes a lender exception to allow for a 75% LTV (max is 70% for a Novice Investor/Cash out) Investor approval is still required | 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. | Reviewer Comment (2022-08-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-07-11): The Exception Form must come from the investor. |  |  | 08/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 773263 | xxxxxx | 26252888 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Dwelling Policy – (Building coverage minimum is the unpaid principal balance). The guidelines do not indicate the LOE agent stating 100% replacement cost included is acceptable. |  | Reviewer Comment (2022-07-20): Replacement cost verified.<br>Reviewer Comment (2022-07-14): Agreed, however the dwelling coverage of xxxxxx does not cover either. Estimated cost new on appraisal is xxxxxx and loan amount is xxxxxx . 100% replacement cost does not state what the RCE is, therefore cannot determine sufficient coverage. | 07/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 773207 | xxxxxx | 26211760 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount is missing in the provided Title Preliminary report | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-26): Received final title<br>Reviewer Comment (2022-07-07): Client elects to waive | 08/26/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 773207 | xxxxxx | 26214090 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Missing final title |  | Reviewer Comment (2022-08-26): Received final title | 08/26/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 773207 | xxxxxx | 26242325 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the borrower's primary residence. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-04): Comp factors used to waive exception<br>Reviewer Comment (2022-07-25): Exceptions must be approved by the investor |  |  | 08/04/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 773207 | xxxxxx | 26242336 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Lender exception in file. Must be approved by the investor. |  | Reviewer Comment (2022-07-25): Client elects to waive with verified compensation factors |  |  | 07/25/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 773207 | xxxxxx | 26242388 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Flood Insurance policy reflects the mailing address for the borrower as the subject property. |  | Reviewer Comment (2022-08-04): Cleared<br>Reviewer Comment (2022-07-25): The mailing address is still the subject property on the documents provided. For an investment property, the mailing address should not be the subject property as the borrower is not occupying the property. | 08/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 773207 | xxxxxx | 26242425 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Both the Flood Insurance and Hazard Insurance polices do not reflect the Trust as insured. |  | Reviewer Comment (2022-07-29): Received<br>Reviewer Comment (2022-07-25): Still missing the hazard insurance with the updated insured name to the trust. Only the flood insurance binder was provided with the updated insured name. | 07/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 773406 | xxxxxx | 26220712 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Credit Eligibility | Borrower and Mortgage Eligibility | Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis. Confirm residency requirements with Investor Guidelines. | Borrower: xxxxxx | Per the Final 1003, borrower was updated to Non-Perm Resident. Provide the borrower's unexpired visa. Visas must be current and have at least six (6) months remaining from the close date, if less than six (6) months provide evidence that extension has been requested<br> · If the visa will expire within six (6) months of the loan application a letter from the<br> employer stating the borrower's continued employment and continued visa renewal<br> sponsorship. Employer on the loan application must be same on the unexpired visa |  | Reviewer Comment (2022-07-28): The corrected 1003 was provided.<br>Reviewer Comment (2022-07-27): The 1003 provided still reflects the borrower as a Non-Permanent Resident Alien .<br>Reviewer Comment (2022-07-21): Provide the referenced processor cert as well as an updated final 1003, as the initial 1003 in file has the borrower marked as xxxxxx Citizen and the final signed 1003 as Non-Perm Resident. | 07/28/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | B A |  | A |  | N/A | No |
| xxxxxx | 773452 | xxxxxx | 26245272 | xxxxxx | xxxxxx | 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%. | Property is vacant. 5% LTV deduction applied per guidelines. Max 70%. | 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. | Reviewer Comment (2022-08-04): Comp factors used to waive exception<br>Reviewer Comment (2022-07-25): Exceptions must be approved by the investor |  |  | 08/04/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 773452 | xxxxxx | 26281603 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file to utilize appraised value vs. purchase price. Recently purchased and rehabbed. Must be approved by the investor. | 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. | Reviewer Comment (2022-08-04): Comp factors used to waive exception |  |  | 08/04/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 771814 | xxxxxx | 26247881 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Per guidelines, rural properties are not permitted. The property is located in a rural area as noted per appraisal report. Investor exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 . | Reviewer Comment (2022-07-13): Client elects to waive with verified compensation factors |  |  | 07/13/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 771814 | xxxxxx | 26249019 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.81 is less than Guideline PITIA months reserves of 2.00. |  |  | Reviewer Comment (2022-07-19): Including documented POC fees, sufficient reserves verified. | 07/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 771814 | xxxxxx | 26278843 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | VOR's are from private landlords. Provide cancelled checks. |  | Reviewer Comment (2022-07-19): Third party verification through credit report vendor. | 07/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 771814 | xxxxxx | 26278849 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file to utilize 100% of business funds even though borrowers on loan have a combined interest of 66.66%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-07-13): Client elects to waive with verified compensation factors |  |  | 07/13/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 771814 | xxxxxx | 26278965 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Investor exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 . | Reviewer Comment (2022-07-13): Client elects to waive with verified compensation factors |  |  | 07/13/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 771814 | xxxxxx | 26278966 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-07-19): Verified both borrowers on same fraud report. | 07/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 774077 | xxxxxx | 26252649 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-08-10): Provided | 08/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 774077 | xxxxxx | 26288541 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Item #4 on the Note reflects a PPP rider, however PPP rider was not provided. |  | Reviewer Comment (2022-08-01): Cleared | 08/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 774077 | xxxxxx | 26288743 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | A new scored report dated prior to closing is required. |  | Reviewer Comment (2022-08-19): New scored report dated prior to closing provided<br>Reviewer Comment (2022-08-01): Credit Report provided is post closing. please provide a Credit report that is within 90 days of closing and prior to consumation. | 08/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 774077 | xxxxxx | 26288749 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $140,445.41 is less than Cash From Borrower $165,480.75. | No documents were provided for the Secured Loan in the amount of xxxxxx per the Final 1003. |  | Reviewer Comment (2022-08-01): Cleared | 08/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 774077 | xxxxxx | 26288754 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | No documents were provided for the Secured Loan in the amount of xxxxxx per the Final 1003. |  | Reviewer Comment (2022-08-01): Cleared | 08/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 773451 | xxxxxx | 26281169 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2022-08-17): The Guaranty was provided.<br>Reviewer Comment (2022-07-26): This condition is not asking for the tax deferred exchange agreement. A guarantor agreement is required. | 08/17/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 773451 | xxxxxx | 26281180 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2022-08-01): Cleared<br>Reviewer Comment (2022-07-26): Operating agreement provided is not signed by owners. Please provide fully executed operating agreement. | 08/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 773451 | xxxxxx | 26304571 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Provide the HUD-1 from the sale of the xxxxxx exchange property. Further, provide the executed exchange agreement. Document in file is not signed/dated by any party. |  | Reviewer Comment (2022-07-26): Received | 07/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 772788 | xxxxxx | 26319989 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | VOM for subject property is from a non-institutional lender. Provide the cancelled checks. |  | Reviewer Comment (2022-07-27): The Note provided reflects a xxxxxx payment for the previous mortgage. | 07/27/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 772788 | xxxxxx | 26320015 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, minimum of 3 properties required for cross collateral. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<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. | Reviewer Comment (2022-08-01): Comp factors used to waive exception |  |  | 08/01/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 772788 | xxxxxx | 26320054 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the loan agreement with loan amount allocation and release amounts for each property. |  | Reviewer Comment (2022-07-27): A signed Modification Agreement with the release amounts and allocated loan amounts were provided. | 07/27/2022 |  |  | 1 C A D | xxxxxx |  | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 772639 | xxxxxx | 26318162 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The price in the borrower's purchase agreement exceeds the property Seller's acquisition price by more than 20% if the property Seller acquired the property 91-180 days prior to the date of the borrower's purchase agreement. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-08): Client elects to waive with verified compensation factors |  |  | 08/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 773245 | xxxxxx | 26310508 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2022-08-12): Supplemental report provided | 08/12/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | A |  | N/A | No |
| xxxxxx | 773245 | xxxxxx | 26331250 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A standard VOR completed by a professional management company is required. |  | Reviewer Comment (2022-08-15): Bank statements and lease agreements for primary provided.<br>Reviewer Comment (2022-08-12): The guidelines specifically state a standard VOR completed by a professional management company is required. This is for the borrower's primary residence. The the UW's worksheet references mtg payments for rents received. We need verification of the borrower's rent history and payments. | 08/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | A |  | N/A | No |
| xxxxxx | 773245 | xxxxxx | 26331388 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA city is spelled incorrectly. |  | Reviewer Comment (2022-08-15): Corrected CDA provided<br>Reviewer Comment (2022-08-04): CDA does not match the note. Note reflects xxxxxx , CDA reflects xxxxxx. Please provide corrected CDA.<br>Reviewer Comment (2022-08-04): The same CDA with the city as xxxxxx but the Note and all other docs have xxxxxx . | 08/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | A |  | N/A | No |
| xxxxxx | 773245 | xxxxxx | 26331389 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-15): Fraud Report provided<br>Reviewer Comment (2022-08-12): Same Fraud Report was provided that was in file at time of review. Fraud report does not reflect xxxxxx which is the additional Guarantor. | 08/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | A |  | N/A | No |
| xxxxxx | 772712 | xxxxxx | 26304946 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-08-10): CDA received<br>Reviewer Comment (2022-08-10): CDA will be ordered upon confirmation | 08/10/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 772712 | xxxxxx | 26332757 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Provide the C/O LOE. |  | Reviewer Comment (2022-08-08): LOE from the borrower was provided. | 08/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 772712 | xxxxxx | 26333463 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the LOE in file on a concurrent file, the borrower is indicating she is pulling C/O of the property to utilize for a purchase of another property so the borrower and their family members can move in. This would be considered personal use and ineligible for DSCR. |  | Reviewer Comment (2022-08-08): Business Purpose Cert and LOE from borrower reflecting the cash-out proceeds are being used for business purposes were provided. | 08/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 772713 | xxxxxx | 26304246 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-07-27): Final title provided | 07/27/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 772713 | xxxxxx | 26333461 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Per the LOE in file, the borrower is indicating she is pulling C/O of the property to utilize for a purchase of another property so the borrower and their family members can move in. This would be considered personal use and ineligible for DSCR. |  | Reviewer Comment (2022-08-08): An additional LOE was provided with a signed business purpose cert. | 08/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 772713 | xxxxxx | 26333492 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Commitment <br> State: xxxxxx |  |  | Reviewer Comment (2022-07-27): Final title with sufficient coverage provided | 07/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 774530 | xxxxxx | 26336418 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence that the primary residence on xxxxxx for xxxxxx is free and clear or provide the 12 month VOM. |  | Reviewer Comment (2022-08-03): An updated 1003 with a rent-free letter was provided. | 08/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 774530 | xxxxxx | 26336734 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide contract addendum correcting purchase price to match final CD (xxxxxx). |  | Reviewer Comment (2022-08-02): cleared<br>Reviewer Comment (2022-07-29): The Closing Statement provided is not signed or stamped certified. Please provide certified//signed final HUD-1. | 08/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 772824 | xxxxxx | 26343452 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The Final Settlement Statement reflects a disbursement date prior to consummation. |  | Reviewer Comment (2022-09-26): Final Statement is provided with a a disbursement date prior to consummation.<br>Reviewer Comment (2022-08-17): Updated Settlement Statement not provided. Exception remains. | 09/26/2022 |  |  | 1 D A | xxxxxx |  | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 772824 | xxxxxx | 26343457 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $546,469.84 is greater than Guideline total cash-out of $500,000.00. |  | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-08-11): Comp factors used to waive exception<br>Reviewer Comment (2022-08-10): The seller is asking for an exception waiver. |  |  | 08/11/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 772982 | xxxxxx | 26315522 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide the Cert of Good Standing for xxxxxx Investments and xxxxxx. |  | Reviewer Comment (2022-08-02): provided<br>Reviewer Comment (2022-07-28): COGS was not provided for either business requested | 08/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772982 | xxxxxx | 26315551 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2022-07-28): Provided loan application(s) | 07/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772982 | xxxxxx | 26341051 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Item #4 states subject to a PPP, however the PPP rider was not provided. |  | Reviewer Comment (2022-08-02): Cleared<br>Reviewer Comment (2022-07-29): The document received is not signed or dated by the underwriter. Please provide signed/dated lender attestation to clear this condition. | 08/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772982 | xxxxxx | 26341131 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Judgments and Tax Liens on Guarantor's background check not addressed: xxxxxx: xxxxxx and xxxxxx / xxxxxx: xxxxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-02): Waived per investor.<br>Reviewer Comment (2022-07-29): LOE's do not clear these conditions. Investor can consider waiving with compensating factors. |  |  | 08/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772982 | xxxxxx | 26341216 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM's for the primary residences for xxxxxx,xxxxxx and xxxxxx. Further, both xxxxxx and xxxxxx have a mortgage with xxxxxx reporting on their credit with an open date of xxxxxx , however the months reported was not provided on the credit reports. |  | Reviewer Comment (2022-08-16): Cleared | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772982 | xxxxxx | 26341339 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Provide the Articles of Org for xxxxxx Investments and xxxxxx. |  | Reviewer Comment (2022-08-02): provided | 08/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772982 | xxxxxx | 26341449 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Provide the Unanimous Consent from xxxxxx. |  | Reviewer Comment (2022-08-05): xxxxxx was removed. | 08/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772982 | xxxxxx | 26341468 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Provide the EIN for xxxxxx Investments and xxxxxx. |  | Reviewer Comment (2022-08-16): Provided<br>Reviewer Comment (2022-08-01): EIN received for xxxxxx. The Articles of Org shows change in name from xxxxxx. The EIN provided for xxxxxx is an application only which was received by the xxxxxx. Provide the approved EIN number for xxxxxx. | 08/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772982 | xxxxxx | 26341527 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | Borrower: xxxxxx, Borrower: xxxxxx, Borrower: xxxxxx, Borrower: xxxxxx % of Business Ownership: 20.00%<br> % of Business Ownership: 0.00%<br> % of Business Ownership: 50.00%<br> % of Business Ownership: 20.00% | The Borrowing Entity is owned by additional Entities that are owned by other Entities. One of the owning Entities is xxxxxx which is owned xxxxxx by two individuals that are not guaranteeing the loan. Investor exception will be required. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-04): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-07-29): Same comments were provided again that were previously rejected. The ownership of < 20% in the Entity has no bearing on this as guidelines require all owners to guaranty the loan and provide credit documents. Therefore this would include owners with a 6.25% ownership each in the borrowing entity. Condition remains. Investor exception will be required.<br>Reviewer Comment (2022-07-28): The ownership of < 20% in the Entity has no bearing on this as guidelines require all owners to guaranty the loan and provide credit documents. Therefore this would include owners with a 6.25% ownership each in the borrowing entity. Condition remains. |  |  | 08/04/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772982 | xxxxxx | 26341537 | xxxxxx | xxxxxx | 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%. | DSCR < 1.00 with a loan amount >xxxxxx, max LTV for purchase is 70%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-04): Client elects to waive with verified compensation factors |  |  | 08/04/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772982 | xxxxxx | 26341545 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | The applications in file do not specify if the Guarantor's are married. If they are married, Spousal Consent to Pledge are required on Entity loans xxxxxx. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 .<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-17): Client elected to waive with Compensating Factors. |  |  | 08/17/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 773238 | xxxxxx | 26347246 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  |  | 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. | Reviewer Comment (2022-08-01): The client elects to waive with comp factors. |  |  | 08/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 773238 | xxxxxx | 26347296 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  |  |  | Reviewer Comment (2022-08-04): Cleared | 08/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 773238 | xxxxxx | 26347304 | xxxxxx | xxxxxx | 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%. |  | C/O transaction with a 680+ FICO, max 75% LTV with a 5% LTV deduction for vacant property. Max 70% LTV,. | Reviewer Comment (2022-08-04): Cleared | 08/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 773593 | xxxxxx | 26335635 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-08-03): A CDA was provided<br>Reviewer Comment (2022-08-01): CDA will be ordered | 08/03/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | D A |  | N/A | No |
| xxxxxx | 772890 | xxxxxx | 26341434 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | If leases are transferring, lease agreements are required. |  | Reviewer Comment (2022-08-03): Lease transferring verbiage was not included in the purchase contract so this is not required. | 08/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 772890 | xxxxxx | 26372352 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2022-08-03): Articles of Organization/Formation were not found. | 08/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 772525 | xxxxxx | 26348010 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-08-08): Business Purpose Certificate was provided | 08/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 772525 | xxxxxx | 26389091 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-04): A cleared updated fraud report was provided. | 08/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 772229 | xxxxxx | 26433567 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are judgments and tax liens on the borrower's background report that were not addressed: xxxxxx. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 . | Reviewer Comment (2022-08-31): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-08-26): The document provided is dated xxxxxx and is for a property other than the subject property. The judgments and tax liens were not paid at or prior to our subject loan closing as required.<br>Reviewer Comment (2022-08-23): The statement provide is not stamped certified by the title agent nor signed as well as the disbursement on this statement is post close for this current transaction. Therefore, at time of loan closing, judgments were not satisfied. |  |  | 08/31/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772229 | xxxxxx | 26433690 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2022-09-01): EIN Document received. Exception Cleared.<br>Reviewer Comment (2022-08-29): Document provided does not reflect EIN number., Its reflects State ID, Please provide EIN doc. Exception remains.<br>Reviewer Comment (2022-08-26): No additional documents received for this. Please try resending. | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 772229 | xxxxxx | 26433727 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the LOE in file, the seller is representing themselves as the agent in a real estate transaction. Non-Arm's Length Transactions are limited to Primary Residences only. |  | Reviewer Comment (2022-08-09): This is not a Non-Arm's length transaction. | 08/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775932 | xxxxxx | 26446343 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | All legal documents (Note, DOT, CPL, Title, Guarantor Agreement, Business Purpose Cert, Occupancy Cert and 1003) reflect the address of xxxxxx vs. the Appraisal, CDA, HOI, and Flood Cert which reflect xxxxxx. Per a lookup of the xxxxxx, the address should be xxxxxx. Provide the correct documents, LOE to borrower, evidence of delivery to the borrower and Lender's Letter of Intent to Re-Record. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-02): The client elects to waive with comp factors. |  |  | 09/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 774029 | xxxxxx | 26400807 | xxxxxx | xxxxxx | Credit | Property - Appraisal | Property Eligibility - Subject and Improvements | Property - Appraisal | Guideline Issue: Property type not allowed per credit guidelines |  | Investor exception in file: Subject is an SFD being utilized as a xxxxxx with 2 accessory units which is not allowed per guidelines. However, comp factor to be updated. LTV is not 5% above max due to 5% deduction for STR. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00 . | Reviewer Comment (2022-08-17): Waived with compensating factors per investor request. |  |  | 08/17/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 774029 | xxxxxx | 26441198 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI mailing address for the borrower is the same as the subject property. |  | Reviewer Comment (2022-08-18): Mailing address corrected on HOI. Cleared. | 08/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775565 | xxxxxx | 26426581 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | Borrower has open Tradelines which are less than the minimum required by guidelines. | Credit Report: Original // Borrower: xxxxxx Open Tradelines: 2 | Per guideline Minimum 3 tradelines rated for 12 months that may be open or closed OR 2 tradelines rated for 24 months that may be open or closed. Per Resident Card, resident since xxxxxx . Exception will be required for no recent US credit/scores. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-19): The borrower has been a perm resident for 7 months (at time of closing). The investor will need to grant an exception for this. |  |  | 08/23/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775565 | xxxxxx | 26427234 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of is less than Guideline representative FICO score of 660. | The credit report provided does not reflect any credit scores. Per the 1003, borrower is a Perm Resident living in the xxxxxx. Per Resident Card, resident since xxxxxx . Exception will be required for no recent xxxxxx credit/scores. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-08-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-19): The borrower has been a perm resident for 7 months (at time of closing). The investor will need to grant an exception for this. |  |  | 08/23/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 773786 | xxxxxx | 26467662 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower executed 2 PPP addendums/riders to the Note with different terms. One reflects a PPP term 6 months interest after 20% of OPB and the other one reflects 5%. Provide the corrected PPP to the Note, LOE to borrower, and evidence of delivery to the borrower. Further, if the PPP rider with 5% is correct, the PPP to the DOT will also need to be corrected, along with an LOE to the borrower, evidence of delivery to the borrower, and lender's letter of intent to re-record. |  | Reviewer Comment (2022-08-22): A signed mortgage with riders and a letter of intent to re-record was provided.<br>Reviewer Comment (2022-08-18): The PPP to the DOT will also need to be corrected, along with an LOE to the borrower, evidence of delivery to the borrower, and lender's letter of intent to re-record. | 08/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 773786 | xxxxxx | 26467715 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal has a completion date post-closing. Provide the pre-close appraisal. |  | Reviewer Comment (2022-08-22): The original appraisal was provided. | 08/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 773786 | xxxxxx | 26467792 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Flood Certificate does not reflect the complete address as per the Note. |  | Reviewer Comment (2022-08-22): An updated flood cert was provided. | 08/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 773786 | xxxxxx | 26467793 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx , Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and CDA does not reflect the complete address as per the Note. |  | Reviewer Comment (2022-08-22): A corrected appraisal and CDA were provided with the correct address listed. | 08/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 776163 | xxxxxx | 26438656 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  |  |  | Reviewer Comment (2022-08-15): Escrows located in the 800s | 08/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | A |  | N/A | No |
| xxxxxx | 771766 | xxxxxx | 26440669 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 4.00. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-09-22): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-29): Ending statements in file for business accounts xxxxxx are dated xxxxxx , however updated statements provided only cover xxxxxx xxxxxx 22. Further, account xxxxxx reflects a reduced balance. Guidelines require 2 months of statements (must be consecutive). Also, for personal accounts xxxxxx no transaction history was provided and the printout is dated xxxxxx . Also, the balance for xxxxxx increased from xxxxxx. Large deposits are to be sourced.<br>Reviewer Comment (2022-08-15): The LOE from the lender is not acceptable. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gift funds/1031 exchange funds. Total cash to close is $242,280.19. Total assets verified $222,951.45 (including EMD). Condition remains. |  |  | 09/22/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 771766 | xxxxxx | 26440703 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $10,272.78 is less than Cash From Borrower $242,280.19. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-09-22): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-29): Ending statements in file for business accounts xxxxxx are dated xxxxxx , however updated statements provided only cover xxxxxx xxxxxx 22. Further, account xxxxxx reflects a reduced balance. Guidelines require 2 months of statements (must be consecutive). Also, for personal accounts xxxxxx, no transaction history was provided and the printout is dated xxxxxx . Also, the balance for xxxxxx increased from xxxxxx. Large deposits are to be sourced.<br>Reviewer Comment (2022-08-15): The LOE from the lender is not acceptable. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gift funds/1031 exchange funds. Total cash to close is $242,280.19. Total assets verified $222,951.45 (including EMD). Condition remains. |  |  | 09/22/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 771766 | xxxxxx | 26477365 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | > xxxxxx year old. (from xxxxxx) |  | Reviewer Comment (2022-08-15): Cogs provided | 08/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 771766 | xxxxxx | 26477438 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Number of Units on the Appraisal does not match the number of Units on the BPO. | Valuation Type: BPO / Valuation Report date: xxxxxx | BPO provided reflects xxxxxx vs appraisal which reflects xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-08-29): Client elects to waive<br>Assessor Parcel Number confirmed<br>Reviewer Comment (2022-08-15): The LOE from the lender is not acceptable. This is a securitization requirement, therefore the BPO must be updated. Condition remains and cannot be waived. |  |  | 08/29/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 774723 | xxxxxx | 26447548 | xxxxxx | xxxxxx | 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 75.00000%. | DSCR < 1.00, FICO 660+ and loan amount Reviewer Comment (2022-08-25): Client requested re-review to 6.2022 lender guidelines. Max for program is 75%<br>Reviewer Comment (2022-08-25): Exception Explanation Updated from: Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%.<br> 08/25/2022 1 C A C A xxxxxx xxxxxx Investment Purchase C A C A A A N/A No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774723 | xxxxxx | 26488074 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Commitment <br> State: xxxxxx |  |  | Reviewer Comment (2022-08-17): Title supplement provided | 08/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 774723 | xxxxxx | 26488086 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $446,845.93 is less than Cash From Borrower $521,562.34. | Per guidelines, business funds are limited to the borrower's ownership % which is 33.34% per business documents in file. Full access letter from only 1 additional owner (there are two additional owners) have no bearing on this. |  | Reviewer Comment (2022-08-24): Received full access letter from both owners. Condition cleared based on guidelines allowing full use with these letters. | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 774723 | xxxxxx | 26488090 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 4.00. | Per guidelines, business funds are limited to the borrower's ownership % which is 33.34% per business documents in file. Full access letter from only 1 additional owner (there are two additional owners) have no bearing on this. |  | Reviewer Comment (2022-08-24): Received full access letter from both additional owners and condition cleared. | 08/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 775564 | xxxxxx | 26448372 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-09-13): Business Purpose Certificate received. Exception Cleared. | 09/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 775564 | xxxxxx | 26448377 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided |  |  |  | Reviewer Comment (2022-09-14): Per guidelines, Ops Agreement or Articles required. Ops Agreement provided | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 775564 | xxxxxx | 26448384 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-09-14): Certificate of Good Standing provided. Exception Cleared.. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 775564 | xxxxxx | 26448388 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2022-09-20): Employer Identification Number (EIN) document received (D0123), Exception Cleared | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 775564 | xxxxxx | 26448397 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2022-09-15): Guarantor Agreement received. Exception Cleared. | 09/15/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 775564 | xxxxxx | 26448815 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2022-09-15): Final HUD-1 Received. Exception Cleared. | 09/15/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 775564 | xxxxxx | 26487712 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. |  | Reviewer Comment (2022-09-20): HOI received reflecting Entity as insured.(D0124) , Exception Cleared | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 775564 | xxxxxx | 26487787 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  |  |  | Reviewer Comment (2022-09-15): Non-Owner Occupancy Declaration provided stating the property not occupied as Primary Residence. Exception Cleared. | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 776406 | xxxxxx | 26459004 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require a 12-month mortgage history for the borrower's primary residence. The fraud report indicates the borrower just refinanced their primary residence; however, the previous mortgage appears to be a private mortgage is not documented in the file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-09): Client elects to waive with verified compensation factors |  |  | 09/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776438 | xxxxxx | 26517805 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of $1,850.33 does not match Calculated P&I of $2,110.34 | The payment on the Note is a xxxxxx I/O payment, however the Note does not reflect I/O terms nor is on an I/O Note. I/O addendum was also not provided. |  | Reviewer Comment (2022-09-22): Provided Note is shoiwng the Calculated P&I of $2,110.34. | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776438 | xxxxxx | 26518075 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the primary residence or evidence free and clear. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-13): Received Duplicate VOM for investment REO property. Please provide a VOM for the primary property or evidence free and clear. Exception remains. |  |  | 09/23/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776438 | xxxxxx | 26518167 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | If the cash-out seasoning is less than 12 months, but greater than 6 months, the transaction property value is limited to the lower of the current appraised value or the property's purchase price plus documented improvements. Lender utilized the appraised value. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-23): Client elects to waive with verified compensation factors |  |  | 09/23/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 774501 | xxxxxx | 26515327 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2022-09-08): Title provided | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 774501 | xxxxxx | 26553857 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-09-09): Client elects to waive with verified compensation factors |  |  | 09/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 773862 | xxxxxx | 26519897 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary <br> State: xxxxxx |  |  | Reviewer Comment (2022-08-29): Received | 08/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 773862 | xxxxxx | 26521743 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  | Reviewer Comment (2022-09-16): Patriot Act Customer Identification received (D0305), Exception Cleared | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 776155 | xxxxxx | 26609298 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The branch manager, or branch personnel designated by the branch manager, will email the borrower to verify that the property is an investment property, on every loan. Provide the email. |  | Reviewer Comment (2022-08-30): Received | 08/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776155 | xxxxxx | 26609366 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Appraisal reflects Tenant Occupied, however amounts are not listed on the 1007 for the actual rents. |  | Reviewer Comment (2022-09-12): The lease agreement was provided.<br>Reviewer Comment (2022-09-09): No new trailing documents present. Exception remains.<br>Reviewer Comment (2022-09-07): No new documents in file pertaining to Lease agreement. Please try Re-uploading. Exception Remains | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776155 | xxxxxx | 26818229 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of xxxxxx | 8.2022 Guidelines: Minimum loan amount is xxxxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-13): Loan was re-reviewed to xxxxxx guidelines as provided by investor at initial submission. xxxxxx for the inconvenience. |  |  | 09/13/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775621 | xxxxxx | 26525605 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-08-29): CDA received<br>Reviewer Comment (2022-08-25): CDA will be ordered | 08/29/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | D A |  | N/A | No |
| xxxxxx | 775621 | xxxxxx | 26608361 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | POA: Not permitted on cash-out or Foreign National transactions |  | Reviewer Comment (2022-09-09): Email from the branch manager explaining that POA permitted for foreign nationals in case of purchase transaction, was provided.<br>Reviewer Comment (2022-09-07): Exception remains as not received any document explaining that this transaction was permitted | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | D A |  | N/A | No |
| xxxxxx | 775621 | xxxxxx | 26608442 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The POA does not contain an expiration date. |  | Reviewer Comment (2022-09-09): POA without an expiration is allowed as per doc provided.<br>Reviewer Comment (2022-09-07): Exception remains as not received any document explaining that POA without expiration date is allowed | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | D A |  | N/A | No |
| xxxxxx | 774770 | xxxxxx | 26525783 | xxxxxx | xxxxxx | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The following are not eligible for cash out:<br> · Properties listed for sale in the past six (6) months, measured from application date | 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. | Reviewer Comment (2022-08-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-29): All exceptions must come from the investor |  |  | 08/30/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775941 | xxxxxx | 26530042 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-08-29): CDA received<br>Reviewer Comment (2022-08-25): CDA will be ordered | 08/29/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | D A |  | N/A | No |
| xxxxxx | 776280 | xxxxxx | 26531967 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-08-26): COGS provided | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776280 | xxxxxx | 26531970 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2022-08-26): Ops Agreement provided | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776280 | xxxxxx | 26532687 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require the borrower's primary residence housing history to be verified. The borrower currently rents their primary residence. The file is missing the required VOR for the primary residence. If from a private landlord, cancelled checks will also be required. | 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. | Reviewer Comment (2022-09-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-01): VOR provided is from private landlord. Cancelled checks will be required. |  |  | 09/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776280 | xxxxxx | 26532723 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2022-08-26): Tax Cert provided | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776280 | xxxxxx | 26532762 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 64.45993% exceeds Guideline loan to value percentage of 55.00000%. | The guidelines allow a maximum LTV of 60% for a cash-out refinance with a loan amount between xxxxxx, FICO of 660+ and DSCR < 1.00 on a C/O transaction. There is an investor exception in file. | 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. | Reviewer Comment (2022-09-02): waived with compensating factors per investor exception request in file. |  |  | 09/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776280 | xxxxxx | 26532763 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2022-08-26): Title provided | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776280 | xxxxxx | 26532883 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The guidelines allow escrow waivers when the LTV is less than 80%, credit score is at least 720 and the borrower has 12-months of reserves. An escrow account was not set up for this loan. The borrower's credit score is 707 which does not meet the 720 requirement. | 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. | Reviewer Comment (2022-09-13): Client elects to waive with verified compensation factors |  |  | 09/13/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776280 | xxxxxx | 26649045 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | ADU: Refinance – The market rent for the accessory unit should be documented on xxxxxx Form 1007 and copy of rents provided in file. The 1007 does not reflect if the estimated amount includes the ADU and main unit or just the main unit. Further, the 12 month lookback ledger was not provided either. | 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. | Reviewer Comment (2022-09-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-08-30): Appraiser comments updated that states estimated rents are for both the main and ADU. However, per guidelines and original condition, still need the 12 month look back ledger as required. |  |  | 09/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776280 | xxxxxx | 26649066 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Properties classified as non-rural are limited to xxxxxx. Property is xxxxxx | 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. | Reviewer Comment (2022-09-07): Client elects to waive with verified compensation factors |  |  | 09/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776280 | xxxxxx | 26649083 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | CPL does not reflect the Entity as insured. |  | Reviewer Comment (2022-08-30): CPL received showing as Entity as insured. Exception Cleared | 08/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776280 | xxxxxx | 26649086 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2022-08-30): EIN provided | 08/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 774909 | xxxxxx | 26533057 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  | Reviewer Comment (2022-08-29): Purchase Contract received and Associated. Exception Cleared. | 08/29/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774909 | xxxxxx | 26647454 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-08-29): Approval document received (D0218), Exception Cleared | 08/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774909 | xxxxxx | 26647467 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA unit does not match all other documents. |  | Reviewer Comment (2022-09-01): Received | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774909 | xxxxxx | 26674969 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | The 1007 does not reflect long term rents which is a guideline requirement if a 12 month look back cannot be provided for STR income. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-07): Client elects to waive with verified compensation factors |  |  | 09/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 775981 | xxxxxx | 26532298 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Must be 100% owner. |  | Reviewer Comment (2022-09-08): Executed ops agreement provided<br>Reviewer Comment (2022-09-08): Page 6 of the Latest document just shows the date and Printed name and Signature is blank. Exception Remains.<br>Reviewer Comment (2022-08-26): Ops Agreement is not executed, only dated. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775981 | xxxxxx | 26532322 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-09-08): Cert of good standing provided<br>Reviewer Comment (2022-09-08): Certificate of Good Standing not provided. Please try Re-uploading. Exception Remains.<br>Reviewer Comment (2022-08-26): COGS not provided. Only Articles, EIN, and Ops Agreement. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775981 | xxxxxx | 26532366 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2022-08-26): Articles provided | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775981 | xxxxxx | 26533412 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the mortgage history for the subject property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-19): The client elects to waive with comp factors.<br>Reviewer Comment (2022-09-14): That section of the guidelines is for the borrower's primary residence if living rent free or they have < 12 month housing history on their primary. This does not pertain to the subject property. Condition remains.<br>Reviewer Comment (2022-09-08): Received mortgage statement and pay history. The pay history only reflects 10 months history. As per guidelines we need 12 months housing history to clear this condition. Exception remains.<br>Reviewer Comment (2022-08-26): The mortgage statement provides in to for the subject property. Provide the VOM for 12 months. |  |  | 09/19/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775981 | xxxxxx | 26649297 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the property profile report for the borrower's primary residence to support no ownership. |  | Reviewer Comment (2022-08-26): Property profile report provided reflecting free and clear and not in borrower's name. | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775981 | xxxxxx | 26649318 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | A new scored report dated prior to closing is required. |  | Reviewer Comment (2022-09-08): New scored report dated at closing provided<br>Reviewer Comment (2022-08-26): Document provided was in file at time of review. Merge report does not clear this exception as it is not scored. A new scored report pulled prior to closing is required. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775981 | xxxxxx | 26649325 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI policy does not reflect the Borrowing Entity as insured. |  | Reviewer Comment (2022-09-08): HOI policy provided with correct Borrowing Entity name as insured. Refer doc id # D0222. Hence, exception cleared.<br>Reviewer Comment (2022-08-26): The same document was provided that was in file at time of review. The HOI does not reflect our Borrowing Entity as insured, but a different LLC. | 09/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775981 | xxxxxx | 26649334 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2022-08-26): Ops Agreement provided showing Guarantor is 100% owner. Not required. | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775981 | xxxxxx | 26649347 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2022-08-26): EIN provided | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775981 | xxxxxx | 26649350 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The loan application in file is not signed. |  | Reviewer Comment (2022-08-26): Signed application provided | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775981 | xxxxxx | 26649360 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of ownership in xxxxxx (Currently vested on title). |  | Reviewer Comment (2022-08-26): Evidence of ownership provided | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775981 | xxxxxx | 26649369 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower purchased property on xxxxxx per appraisal and title policy. Provide evidence of the purchase price. Properties owned for > 6 months but < 12 months, value is limited to the lower of the appraised value or purchase price plus documented improvements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-08): Per guidelines, seasoning is defined as the time of the difference between application date of the new loan and the property acquisition date vs. the closing date of the new loan.<br>Reviewer Comment (2022-08-29): The attached documentation provided does not clear the condition and was in file at time of review. The DOT does not reflect a purchase price but loan amount. We need evidence of the purchase price to determine value that should be used for LTV calcs based on when property was purchased. |  |  | 09/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 774938 | xxxxxx | 26647725 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2022-08-26): HOA questionnaire provided | 08/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 774207 | xxxxxx | 26539834 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2022-09-14): Guarantor Agreement provided | 09/14/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 774207 | xxxxxx | 26650792 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of xxxxxx. | Per guidelines, minimum loan amount for multi-family xxxxxx unit property is xxxxxx |  | Reviewer Comment (2022-09-14): Client requested re-review to 6.2022 lender guidelines. Minimum loan amount xxxxxx<br>Reviewer Comment (2022-09-07): The investor instructed us to utilize the 7.2022 guidelines for review. If DD needs the file re-reviewed to different guidelines. the investor will need to reach out to the DD management team. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 774207 | xxxxxx | 26650825 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: xxxxxx // Account Type: Funds from Business Account / Account Number: 5074 | Per guidelines, 2 months required. C/O cannot be utilized for reserves on multifamily property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-08): Lender would like to waive<br>Reviewer Comment (2022-09-07): The exception is not stating that the loan has sufficient reserves. Per guidelines, 2 months bank statements are required for account utilized for closing/reserves. Only 1 month was provided. |  |  | 09/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 774207 | xxxxxx | 26651084 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Verify entity membership with formation docs or other entity documentation |  | Reviewer Comment (2022-09-12): Membership document provided via stock cert. Guidelines do not state Bylaws are specifically required.<br>Reviewer Comment (2022-09-07): Since the complany is Inc - Incorporated xxxxxx we need Bylaws for this entity. | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 776394 | xxxxxx | 26540581 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-10-12): FTP provided | 10/12/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776394 | xxxxxx | 26651934 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | The title reflects 2 mortgage liens not paid through closing (items 14 and 15) as well as an ongoing judgment (item 16) that was not addressed. |  | Reviewer Comment (2022-10-12): Cleared FTP provided<br>Reviewer Comment (2022-09-12): This exception can be waived with comp factors.<br>Reviewer Comment (2022-09-01): HUD shows 14 and 15 paid through closing. xxxxxx judgment document provided, however provide the clear title policy or supplemental report stating it would be removed. A condition of the title to remove is for them to be provided a copy. | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776394 | xxxxxx | 26651945 | xxxxxx | xxxxxx | 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%. | C/O, DSCR < 1.00, max LTV is 65%. | Experienced investor, owns and manages 2 or more properties for 12 months | Reviewer Comment (2022-09-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-01): Email is not acceptable. The investor provided us with 8.2022 guidelines to review to. If the investor wants to have this loan re-underwritten to old guidelines, they will need to inform us or elect to waive with verified comp factors |  |  | 09/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776394 | xxxxxx | 26655556 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Appraisal reflects Tenant Occupied, however 1007 does not reflect the actual lease information. |  | Reviewer Comment (2022-09-27): Lease agreement provided. Per guidelines DSCR calculated off of 1007 estimated rents.<br>Reviewer Comment (2022-09-23): The document uploaded was a xxxxxx vs. lease agreement.<br>Reviewer Comment (2022-09-16): The application was not conditioned for and the email does not clear this condition. We do not have the lease in file, the 1007 reflects Tenant Occupied, and the 1007 does not reflect any information.<br>Reviewer Comment (2022-09-12): An updated application was not found.<br>Reviewer Comment (2022-09-09): No new trailing documents present. Exception remains. | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776394 | xxxxxx | 26659529 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The branch manager, or branch personnel designated by the branch manager, will email the borrower to verify that the property is an investment property, on every loan |  | Reviewer Comment (2022-09-12): An email to the borrower regarding the property will remain an investment was provided.<br>Reviewer Comment (2022-09-09): No new trailing documents present. Exception remains. | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775628 | xxxxxx | 26554275 | xxxxxx | xxxxxx | 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%. | Per guideline matrix DSCR less than 1.00 max LTV/CLTV 70% | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-09-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-07): The investor advised us to utilize the 8.2022 lender guidelines for this loan. If investor needs this loan reviewed to other guidelines, they will need to advise the DD via email to DD management. |  |  | 09/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775628 | xxxxxx | 26666762 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership in xxxxxx |  | Reviewer Comment (2022-09-01): Evidence of ownership provided<br>Reviewer Comment (2022-08-31): Exception remains not received evidence of ownership in xxxxxx<br>Reviewer Comment (2022-08-31): No additional documents received. Please try resending. | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775628 | xxxxxx | 26666785 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The branch manager, or branch personnel designated by the branch manager, will email the borrower to verify that the property is an investment property, on every loan. Provide the email. |  | Reviewer Comment (2022-09-01): Email provided<br>Reviewer Comment (2022-08-31): No additional documents received. Please try resending. | 09/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775628 | xxxxxx | 26666840 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The legal description reflects Condominium, however appraisal was completed on a 1004. The appraiser makes no mention of a xxxxxx as well as no xxxxxx was attached to the DOT. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-09-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-07): Please see comments from xxxxxx Investor will need to advise if they are accepting the email provided by the seller.<br>Reviewer Comment (2022-09-01): Investor to review email from lender and advise if acceptable. |  |  | 09/13/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 774789 | xxxxxx | 26605104 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2022-08-31): Title Commitment received , Exception Cleared | 08/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774789 | xxxxxx | 26605316 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2022-08-31): Guarantor Agreement received, Exception Cleared | 08/31/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774789 | xxxxxx | 26605319 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2022-10-20): Ops Agreement provided<br>Reviewer Comment (2022-10-19): The EIN does not verify ownership %. A xxxxxx split cannot be assumed. Lender exception reflects 50% owner.<br>Reviewer Comment (2022-09-22): Received duplicate operating agreement. Missing ownership % of the borrower as there are 2 owners of the business. Exception remains.<br>Reviewer Comment (2022-09-20): The operating agreement is blank where additional information is required and unsigned.<br>Reviewer Comment (2022-09-13): Ops Agreement not provided. Articles reflects 2 owners. Must verify ownership %. | 10/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774789 | xxxxxx | 26605326 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2022-09-29): EIN provided<br>Reviewer Comment (2022-09-20): EIN was not found.<br>Reviewer Comment (2022-09-08): The UW LOE is not acceptable. Per the DOT and all docs in file, the loan closed in xxxxxx<br>Reviewer Comment (2022-09-06): EIN was not found it the trialing docs.<br>Reviewer Comment (2022-09-02): Provided Document is Article of organization, We need EIN Document to clear the Exception. Exception Remains. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774789 | xxxxxx | 26605329 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2022-08-31): Articles of Organization/Formation received, Exception Cleared | 08/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774789 | xxxxxx | 26605580 | xxxxxx | xxxxxx | 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%. | Novice Investor: DSCR max 75% for LTV > 1.00, FICO of 660+ and loan amount xxxxxx on a purchase transaction, and then another 5% LTV deduction for xxxxxx. Max LTV for program is 70%. |  | Reviewer Comment (2022-09-16): Per client, requested re-underwrite to 6.2022 lender guidelines. Max 75% for xxxxxx/STR with a DSCR > 1.00<br>Reviewer Comment (2022-09-13): The original condition comments are based off the 773 FICO. The investor provided us with the 7/2022 guidelines to utilized for this review. If this is incorrect, the investor will need to request a re-underwrite to earlier guidelines. Per the 7/2022 guidelines, a 5% LTV deduction is required for xxxxxx Investors.<br>Reviewer Comment (2022-09-06): The 7/2022 guidelines were used at the investor's request so this exception remains. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774789 | xxxxxx | 26672111 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the borrower's primary residence. Property profile and Fraud Report reflect a mortgage lien. The HOI current having no mortgagee listed is not evidence of Free and Clear. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-09-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-13): The HOI is not acceptable to support free and clear. Provide the property profile report.<br>Reviewer Comment (2022-09-08): The UW LOE is not acceptable. The lien in question per the Fraud Report on the primary is from xxxxxx taken out xxxxxx for xxxxxx |  |  | 09/23/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774789 | xxxxxx | 26672123 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2022-08-31): Hazard Insurance Policy received , Exception Cleared | 08/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774789 | xxxxxx | 26672172 | xxxxxx | xxxxxx | 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 1.06 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.10. | 1007 reflects short term rents. xxxxxx ledger not provided. Minimum DSCR required is 1.10. |  | Reviewer Comment (2022-09-16): Client requested re-review to 6.2022 lender guidelines. Minimum DSCR is 1.00 for STR<br>Reviewer Comment (2022-09-13): The exception is not asking for the ledger. The exception is stating that a ledger was not provided and based off 1007 rents, DSCR is < 1.10 minimum required.<br>Reviewer Comment (2022-09-06): The 7/2022 guidelines were used at the investor's request so this exception remains. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774789 | xxxxxx | 27005079 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | Borrower: xxxxxx % of Business Ownership: 50.00% | Lender exception provided. Must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-10-21): Client elects to waive with verified compensation factors |  |  | 10/21/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 775908 | xxxxxx | 26651295 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-10-04): Corrected BPO cert provided<br>Reviewer Comment (2022-09-28): BP Cert received, however the seller is incorrect. This line is for the lender not the seller of the subject property. | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775908 | xxxxxx | 26686581 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-09-19): Approval received. Exception Cleared. | 09/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775908 | xxxxxx | 26686595 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Assets held in foreign accounts may be used as a source of funds to close and to meet applicable reserve requirements. These funds must be transferred to a xxxxxx domiciled account in the borrower's name at least ten (10) days prior to closing. Assets must be verified in xxxxxx equivalency at the current exchange rate via either www.xe.com or the Wall Street Journal conversion table. An exchange rate document was provided by neither from the Wall Street Journal nor XE.com as well as funds to close/reserves were not transferred to a xxxxxx account 10 days prior to closing. On the foreign assets were provided. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-04): The bank statements provided in the xxxxxx bank account dated prior to or at closing do not support sufficient funds for both closing and reserves. Total amount to be in a xxxxxx bank account 10 days prior to closing was $845,756<br>Reviewer Comment (2022-09-28): The bank statements provided are post closing and not acceptable. Closing funds and reserves needed to be transferred to a xxxxxx bank account 10 days prior to closing and well as the exchange rate from an acceptable source was not provided. In addition, the funds deposited into the xxxxxx bank account on xxxxxx (which is prior to closing) is not sufficient for closing funds and reserves.<br>Reviewer Comment (2022-09-19): The same documentation was provided that was in file at time of review. Per original condition, an exchange rate document was not provided by neither from the Wall Street Journal nor XE.com as well as funds to close/reserves were not transferred to a xxxxxx bank account 10 days prior to closing. On the foreign assets were provided. |  |  | 10/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776965 | xxxxxx | 26714790 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The 1007 provided does not reflect long term rents. The property was utilized as a short term rental up until 4/2022, where a long term lease was put in place (1 year). Per guidelines, long term rental is the lower of the 1007 or lease agreement with 2 months rent receipts. Rent receipts were not provided. Short Term Rentals require the 1007 to reflect long term rents or a 12 month lookback and online listing for the STR must be provided. |  | Reviewer Comment (2022-09-22): Updated appraisal/1007 provided with long term rents | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 775622 | xxxxxx | 26701114 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | Has the incorrect borrower and subject property unit. |  | Reviewer Comment (2022-09-09): Updated questionnaire provided<br>Reviewer Comment (2022-09-09): Exception Remains HOA Questionnaire not provided | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 775622 | xxxxxx | 26701117 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Projects in current litigation are not allowed unless the litigation meets xxxxxx guidelines. Branch must provide documentation to support. |  | Reviewer Comment (2022-09-27): Stipulation for dismissal with prejudice provided<br>Reviewer Comment (2022-09-09): The HOA questionnaire was not updated to support no litigations as well as the date of resolution nor dismissal document was provided. | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 775623 | xxxxxx | 26685472 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-09-09): A CDA was received<br>Reviewer Comment (2022-09-06): CDA will be ordered upon confirmation | 09/09/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | D A |  | N/A | No |
| xxxxxx | 775623 | xxxxxx | 26685501 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Documentation required for Foreign Nationals:<br> o Proof of Identity<br> o Proof of address<br> o Government issued Visa |  | Reviewer Comment (2022-09-20): Received xxxxxx to help prove Borrower's Identity and Address xxxxxx, Exception Cleared<br>Reviewer Comment (2022-09-09): DL provided. Pending receipt of proof of address and VISA<br>Reviewer Comment (2022-09-09): No new trailing documents present. Exception remains. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | D A |  | N/A | No |
| xxxxxx | 775623 | xxxxxx | 26685542 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Guidelines require a branch manager email verifying with borrower that property will be an investment. |  | Reviewer Comment (2022-09-09): Email received | 09/09/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Purchase | D A |  | D A |  | N/A | No |
| xxxxxx | 775623 | xxxxxx | 26701665 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | Condotels are acceptable. No fractional ownership allowed in the project. HOA questionnaire was not provide to determine this. |  | Reviewer Comment (2022-09-09): HOA questionnaire provided | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | D A |  | N/A | No |
| xxxxxx | 775623 | xxxxxx | 26702055 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of the current ground rent. Page 4 of the ground lease states that after xxxxxx a calculation will be utilized to determine the annual and additional ground rents per units. |  | Reviewer Comment (2022-09-09): Ground rent provided<br>Reviewer Comment (2022-09-09): Document providing evidence of rate of rent was not yet uploaded. | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | D A |  | N/A | No |
| xxxxxx | 777279 | xxxxxx | 26687894 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership in xxxxxx. Per guidelines, C/O can be utilized for reserves as long as 2 months come from the borrower's own funds. Must be 100% owner, or else additional requirements will be needed. |  | Reviewer Comment (2022-09-19): CPA letter provided. Refer doc id xxxxxx. Hence, exception resolved.<br>Reviewer Comment (2022-09-15): No additional documents received. Please try resending. | 09/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 777279 | xxxxxx | 26688244 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-09-15): A signed letter from the borrower confirming the business purpose of the cash-out is for remodeling the home(subject address) is available in file. Exception Cleared | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 777279 | xxxxxx | 26688502 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2.; Sec ID: 12 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-09-08): CDA received<br>Reviewer Comment (2022-09-07): CDA will be ordered | 09/08/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 777279 | xxxxxx | 26716314 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Does not reflect the current mortgagee + ISAOA |  | Reviewer Comment (2022-09-19): New HOI received reflecting ISAOA/ATIMA. Exception Cleared.<br>Reviewer Comment (2022-09-15): Updated Hazard Insurance policy not received , Exception Remains | 09/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 777279 | xxxxxx | 26716341 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  | Reviewer Comment (2022-09-19): Lease agreement received for both the units. Exception Cleared.<br>Reviewer Comment (2022-09-15): Lease Agreement not received, Exception Remains | 09/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 777279 | xxxxxx | 26717489 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: xxxxxx // Account Type: Funds from Business Account / Account Number: 3506 | < 2 months provided. |  | Reviewer Comment (2022-09-19): Bank statement provided for account #3506 for the given period - April 01, 2022 to April 29, 2022. Refer doc id xxxxxx. Exception cleared.<br>Reviewer Comment (2022-09-15): No additional documents received. Please try resending. | 09/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 777280 | xxxxxx | 26688212 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-09-14): Business purpose certificate is required in all cash out transaction while not mandatory in case of purchase transaction as per guidelines. Rebuttal was provided. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 777280 | xxxxxx | 26688331 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership in xxxxxx Must be 100% owner, otherwise additional requirements will be needed. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-14): In the uploaded business entity document, ownership of the borrower is not mentioned. Please provide an operating agreement or any other evidence supporting ownership. |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 777280 | xxxxxx | 26718075 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet xxxxxxcriteria.; Sec ID: 10 | Note date: xxxxxx ; Lien Position: 1 |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-08-31): Client elects to waive |  |  | 08/31/2022 | 2 A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 777262 | xxxxxx | 26675270 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors |  |  | 09/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777262 | xxxxxx | 26718849 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.94 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Minimum 1.00+ required for First Time Investors as well as Interest Only loans. Per guidelines, Interest Only loans qualify with the full PITIA payment at the Note Rate based on the scheduled remaining loan term at the time of recast after the ten (10) year Interest Only period has expired. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors |  |  | 09/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777271 | xxxxxx | 26682459 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-09-21): FTP provided | 09/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 777271 | xxxxxx | 26682538 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2022-09-21): FTP provided | 09/21/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 777271 | xxxxxx | 26682704 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal reflects property is in a PUD, however the DOT doe snot reflect a PUD rider attached. Provide the executed PUD rider, corrected page of the DOT, LOE to borrower, evidence of delivery to the borrower, and lender's letter of intent to re-record. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors |  |  | 09/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 777271 | xxxxxx | 26682788 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM is missing for subject property. |  | Reviewer Comment (2022-09-21): Received credit supplement reflecting 12 months housing history for the subject property. Exception cleared. | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 777271 | xxxxxx | 26721776 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Final CD reflects PPP. |  | Reviewer Comment (2022-09-16): Prepayment addendum was received. Exception cleared.<br>Reviewer Comment (2022-09-15): Prepayment Note Addendum not received , Exception Remains | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | Yes |
| xxxxxx | 777271 | xxxxxx | 26864568 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final Title Policy was provided, however the PUD endorsement is not checked. Property is a PUD. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors |  |  | 09/26/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 777265 | xxxxxx | 26675718 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-09-23): LOE provided. BP Cert only required on Entity loans per guidelines<br>Reviewer Comment (2022-09-22): Visionary Guidelines page 68: Documents must be completed and signed as follows: Business Purpose and Occupancy Affidavit.<br>Reviewer Comment (2022-09-15): C/O LOE is not acceptable. Per Visionary guidelines, BP affidavit is required. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777265 | xxxxxx | 26722334 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOR for the primary residence | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors |  |  | 09/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777265 | xxxxxx | 26722535 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | 6 months rent loss is required per guidelines |  | Reviewer Comment (2022-09-15): Dec page provided reflecting 12 months coverage provided | 09/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777265 | xxxxxx | 26722537 | xxxxxx | xxxxxx | 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 0.93 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DSCR < 1.00 not allowed for Interest Only Loans. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-09-15): Client elects to waive with verified compensation factors |  |  | 09/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777265 | xxxxxx | 26722538 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 6.38 is less than Guideline PITIA months reserves of 9.00. | DSCR < 1.00 requires an additional 3 months reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors |  |  | 09/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777277 | xxxxxx | 26692393 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-09-27): FTP provided | 09/27/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 777277 | xxxxxx | 26692745 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Only the application was provided. Provide the active policy. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-19): HOI policy received with Servicer and its successors and assigns, The new policy received doesnot show the policy number , Please provide HOI document with policy number , Exception Remains<br>Reviewer Comment (2022-09-15): No new docs received. Please try Re-Uploading. Exception Remains. |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 777277 | xxxxxx | 26693571 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Only the application was provided. Provide the active policy and RCE. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-19): HOI policy received but for the state of xxxxxx , Per xxxxxx overlays, HOI policy reflecting 100% replacement cost coverage or similar verbiage is acceptable. Please provide HOI with this verbiage of 100% replacement cost coverage or similar verbiage. Exception Remains<br>Reviewer Comment (2022-09-15): No new docs received. Please try Re-Uploading. Exception Remains. |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 777277 | xxxxxx | 26721896 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | Does not reflect the Borrower as insured. |  | Reviewer Comment (2022-09-27): FTP provided | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 777277 | xxxxxx | 26722026 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet xxxxxx criteria.; Sec ID: 10 | Note date: xxxxxx ; Lien Position: 1 |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-01): Client elects to waive |  |  | 09/01/2022 | 2 A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 776507 | xxxxxx | 26702280 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the executed Term Sheet. |  | Reviewer Comment (2022-09-20): Term sheet provided. Refer doc id xxxxxx. Hence, exception cleared.<br>Reviewer Comment (2022-09-09): Signed Term sheet provided but date is missing. Refer doc id xxxxxx.<br>Reviewer Comment (2022-09-07): The Term Sheet provided is not executed/accepted by the borrower | 09/20/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 776507 | xxxxxx | 26740973 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the Borrower's Credit and Background Authorization and the executed Property Management questionnaire. |  | Reviewer Comment (2022-09-23): Documents provided. Refer doc id xxxxxx. Hence, exception resolved.<br>Reviewer Comment (2022-09-07): The Property Management questionnaire is not executed by the borrower. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 772836 | xxxxxx | 26713914 | xxxxxx | xxxxxx | Credit | Investment Product | General | Investment Product | Total Property Loan Amounts does not equal the original loan amount. | Total Property Loan Amounts: xxxxxx ; Original Loan Amount: xxxxxx |  |  | Reviewer Comment (2022-09-09): Business loan agreement with corrected loan amount was provided. | 09/09/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 772836 | xxxxxx | 26740220 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note signature of Debtor only reflects xxxxxx vs. the DOT signature which reflects xxxxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-23): Client elects to waive with verified compensation factors |  |  | 09/23/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 772836 | xxxxxx | 26740232 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | The CPL does not reflect both LLC's as insured. |  | Reviewer Comment (2022-09-09): Received CPL letter dated xxxxxx Exception cleared. | 09/09/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 772836 | xxxxxx | 26740297 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month VOM for both borrower's primary residence. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-23): Client elects to waive with verified compensation factors |  |  | 09/23/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 772836 | xxxxxx | 26740374 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.90909% exceeds Guideline loan to value percentage of 70.00000%. | Cross Collateral, FICO 700+, max LTV is 75% with 5% LTV deduction for xxxxxx for property on xxxxxx Max LTV 70%. CDA value for xxxxxx received at closing was utilized for LTV value as difference between Appraisal and CDA value was > 27%. |  | Reviewer Comment (2022-09-16): Leases provided for both units on property. Not vacant. Max LTV 75% | 09/16/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 772836 | xxxxxx | 26740457 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI for xxxxxx does not have the additional LLC as insured. |  | Reviewer Comment (2022-09-16): Updated endorsement provided adding LLC<br>Reviewer Comment (2022-09-13): The HOI provided with the additional insured LLC now does not reflect the mortgagee + ISAOA.<br>Reviewer Comment (2022-09-09): The same HOI was provided that was in file at time of review. The additional LLC is xxxxxx. | 09/16/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775660 | xxxxxx | 26703414 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  | Reviewer Comment (2022-09-14): CPL received and associated. Exception Cleared. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 775660 | xxxxxx | 26704001 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2022-09-14): Flood certificate received. Exception Cleared. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 775660 | xxxxxx | 26704002 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2022-09-14): HOI provided<br>Reviewer Comment (2022-09-14): HOI shows a shortfall of xxxxxx. Please provide a updated HOI covering the shortfall or RCE. Exception remains. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 775660 | xxxxxx | 26704090 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  | Reviewer Comment (2022-09-14): Flood Insurance received. Exception Cleared. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 775660 | xxxxxx | 26704170 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-09-14): Received fraud report dated xxxxxx addressing all the red flags. Document attached. Exception cleared. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 775660 | xxxxxx | 26704834 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-09-14): CU score of 1.0 and R&W relief provided.<br>Reviewer Comment (2022-09-14): We need secondary valuation CDA to clear this. Exception Remains | 09/14/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 775946 | xxxxxx | 26720530 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The appraisal report reflects xxxxxx of the subject property are rented; however, the file does not contain a lease agreement for either unit. Per the 1008, leases could not be obtained therefore the original lender's underwriter considered the property vacant. However, this is not allowed per guidelines. If leases cannot be obtained, an exception will be required. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-14): The investor must approve all exceptions<br>Reviewer Comment (2022-09-12): The UW LOE is not acceptable. Per guidelines and original condition, leases are required but per xxxxxx could not be obtained. The guidelines do not state if leases cannot be obtained that the property can be considered vacant. |  |  | 09/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775946 | xxxxxx | 26799953 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2022-09-14): Updated appraisal provided<br>Reviewer Comment (2022-09-13): Appraisal not found in trailing documents. Please try uploading again. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776754 | xxxxxx | 26721647 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2022-09-09): Flood Cert provided | 09/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776754 | xxxxxx | 26798863 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide the Cert of Good Standing for xxxxxx |  | Reviewer Comment (2022-09-20): Cert of Good Standing for xxxxxx Received. Exception Cleared.<br>Reviewer Comment (2022-09-09): Per the Ops Agreement in file, xxxxxx was formed xxxxxx , which is > 1 year. Condition remains. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776754 | xxxxxx | 26798867 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Provide the Articles of org for both LLC's. |  | Reviewer Comment (2022-09-22): Artciles of Organization is provided for xxxxxx<br>Reviewer Comment (2022-09-20): Article of Organization received for xxxxxx Please provide for xxxxxx to clear the Exception. Exception Remains. | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776754 | xxxxxx | 26798892 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Provide the EIN for xxxxxx |  | Reviewer Comment (2022-09-20): EIN for xxxxxx received. Exception Cleared. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776754 | xxxxxx | 26798904 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The file is missing the following for xxxxxx: Borrower Contact Sheet, Property Management Questionnaire and the Credit and Background Authorization. |  | Reviewer Comment (2022-09-26): Provided Credit and Background authorization shows xxxxxx as borrower and Co borrower shows xxxxxx<br>Reviewer Comment (2022-09-23): The authorization provided is for xxxxxx The request is for xxxxxx<br>Reviewer Comment (2022-09-22): Property management questionnaire and contact information sheet provided. Pending receipt of the background and credit authorization sheet. The document being sent over is only signed. All data and dates are blank.<br>Reviewer Comment (2022-09-09): The credit and background authorization provided is blank. Further the property management questionnaire for xxxxxx was not provided nor the Borrower Contact Sheet. | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776754 | xxxxxx | 26798908 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Executed Term Sheet. |  | Reviewer Comment (2022-09-09): Term Sheet provided | 09/09/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776754 | xxxxxx | 26798910 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Investment Affidavit | 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. | Reviewer Comment (2022-09-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-22): Lender would like to waive. Each xxxxxx file contains a Business Purpose Affidavit (the "Affidavit"), however this file does not contain that document and the lender would like to utilize the generic BP cert instead.<br>Reviewer Comment (2022-09-20): Per xxxxxx, the Business Purpose Affidavit and the Business Purpose Cert are separate documents. The seller has provided the Business Purpose Affidavit (the "Affidavit") for all other loans.<br>Reviewer Comment (2022-09-12): SitusAMC has accepted the Business Purpose Affidavit only when clear t his condition as that is what we were told this document is.<br>Reviewer Comment (2022-09-09): Document was not provided. The BP of loan cert was provided. Need the business investment affidavit. |  |  | 09/28/2022 | 2 C B D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776754 | xxxxxx | 26798912 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Wire Ticket to Settlement Agent. |  | Reviewer Comment (2022-09-09): Wire ticket provided | 09/09/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 775747 | xxxxxx | 26721198 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-09-13): xxxxxx CU provided of 1.0 and xxxxxx CU provided with R&W relief eligible.<br>Reviewer Comment (2022-09-12): Secondary valuation was not found | 09/13/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 775747 | xxxxxx | 26721202 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-09-12): Business Purpose Certificate was provided | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 775747 | xxxxxx | 26798255 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  |  |  | Reviewer Comment (2022-09-12): An Occupancy Cert was provided. | 09/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 776323 | xxxxxx | 26722660 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The tax cert in file is not signed by the county and reflect TBD or $0 throughout. |  | Reviewer Comment (2022-09-20): The tax bill was provided.<br>Reviewer Comment (2022-09-12): Tax Bill was not found in trailing docs | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776323 | xxxxxx | 26722713 | xxxxxx | xxxxxx | 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 required - 6 months | 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. | Reviewer Comment (2022-09-12): The client elects to waive with comp factors |  |  | 09/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776323 | xxxxxx | 26722722 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-09-22): FTP provided | 09/22/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776323 | xxxxxx | 26722725 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Provide a new scored report prior to closing. | 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. | Reviewer Comment (2022-09-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-13): The guidelines provided to us by the investor dated 4.2022. Page 40, age of documents, all credit, asset and title policy must be dated no more than 90 days from the Note date. |  |  | 09/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776323 | xxxxxx | 26799402 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a clear title policy. Multiple liens on subject property title were paid through various REO loans. |  | Reviewer Comment (2022-09-22): FTP provided<br>Reviewer Comment (2022-09-13): The title provided is not for the subject property. | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776323 | xxxxxx | 26799444 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | The CPL does not reflect the Entity as insured. |  | Reviewer Comment (2022-09-20): CPL received reflecting Entity, Exception Cleared.<br>Reviewer Comment (2022-09-13): Attached CPL does not show the correct property address. xxxxxx. Please provide CPL for Subject property xxxxxx. Exception remains. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776323 | xxxxxx | 26799447 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Anti-Money Laundering & Certification of Beneficial Owners Disclosure (Entity Borrower Only) |  | Reviewer Comment (2022-09-20): Document provided. Refer doc id xxxxxx. Exception cleared.<br>Reviewer Comment (2022-09-14): Please provide the full document. Only 2 pages were provided and does not specify what this form is. | 09/20/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 776392 | xxxxxx | 26794888 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unit xxxxxx does not meet the minimum square footage requirement of xxxxxx. | 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. | Reviewer Comment (2022-09-21): Client elects to waive with verified compensation factors |  |  | 09/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776392 | xxxxxx | 26794904 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 10 months mortgage history was provided for the borrower's primary residence. Per the 1003, borrower rented a property on xxxxxx. Provide the 2 months VOR for this property to meet the 12 months housing history requirement. |  | Reviewer Comment (2022-09-21): As per fraud report, the borrower bought his primary property xxxxxx in xxxxxx. The credit report has a closed mortgage which started in xxxxxx (xxxxxx/Summit). As per the credit supplement, the current mortgage has 10 months reviewed. Hence, we have 24 months housing history present. Received updated 1003 with the changes. Exception cleared. | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775992 | xxxxxx | 26742693 | xxxxxx | xxxxxx | 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%. | Novice Investor: DSCR < 1.00, loan amount xxxxxx and FICO of 660+, max for purchase is 70% less 5% for xxxxxx. Max 65%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-13): Please review the 7/2022 lender guidelines which we were instructed to UW to. DSCR < 1.00, 700+ FICO, loan amount xxxxxx, the max LTV for a purchase is 70% and then 5% deduction for xxxxxx Investor. Borrower has owned a primary for > 12 months. Further, First Time Investors are not allowed per guidelines.<br>Reviewer Comment (2022-09-09): Investor sent us 7.2022 guidelines to review this loan to. If that is incorrect, please reach out to the investor to have them request a re-underwrite from DD management. |  |  | 09/30/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777386 | xxxxxx | 26744334 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-09-22): Received Fraud report. Exception cleared.<br>Reviewer Comment (2022-09-13): Received Fraud Report dated xxxxxx However, the red flags are not addressed. Please provide a fraud report addressing all the red flags. Exception remains. | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 777386 | xxxxxx | 26744336 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-09-13): Business Purpose Certificate Received. Exception CLeared. | 09/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 777386 | xxxxxx | 26744351 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  | Reviewer Comment (2022-09-22): Exception is cleared received Purchase Agreement / Sales Contract | 09/22/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 777386 | xxxxxx | 26813968 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-23): Clearance report provided<br>Reviewer Comment (2022-09-23): The fraud report dated xxxxxx is already present in the file. However, the red flags are still open and not addressed. Need fraud report with all red flags cleared. Please provide the same. Exception remains.<br>Reviewer Comment (2022-09-22): Received duplicate fraud report. The red flags are not addressed and are open. Please provide a fraud report addressing all the red flags. Exception remains. | 09/23/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 774513 | xxxxxx | 26805477 | xxxxxx | xxxxxx | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Color appraisal was not provided. Appraisal in file is xxxxxx. |  | Reviewer Comment (2022-09-14): Received Color appraisal 1073 Form. Hence exception cleared. | 09/14/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 774513 | xxxxxx | 26823237 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Received updated PPP dated xxxxxx ; however, need LOE and evidence of delivery to borrower as the terms changed. |  | Reviewer Comment (2022-09-16): We have received LOE and evidence of delivery to borrower as the terms changed and updated PPP dated xxxxxx . Hence exception cleared. | 09/16/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 775851 | xxxxxx | 26745459 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-09-14): COGS provided<br>Reviewer Comment (2022-09-14): Attached is Article of Organization. We need Certificate of Good Standing to clear this. Exception Remain. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775851 | xxxxxx | 26745628 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-14): Received fraud report addressing all the red flags. Exception cleared. | 09/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775851 | xxxxxx | 26805795 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal reflects property is in a PUD, however the PUD rider was not provided on the DOT. Provide the executed PUD rider, corrected page of the DOT to include PUD rider, LOE to borrower, evidence of delivery to the borrower, and lender's letter of intent to re-record. | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-11-21): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-11-18): There is no evidence that xxxxxx does not allow the mtg to be re-recorded as well as the lender provided an intent to re-record. Provide the corrected page of the DOT adding the PUD rider. (LOE, LOI, executed PUD rider, mailing label and Correction Instrument provided). |  |  | 11/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775851 | xxxxxx | 26805816 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | If the cash-out seasoning is less than 12 months, but greater than 6 months, the transaction property value is limited to the lower of the current appraised value or the property's purchase price plus documented improvements. The lender utilized the appraised value to qualify. Purchase price xxxxxx on xxxxxx with evidence of documented improvements. | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-10-21): Client elects to waive with verified compensation factors |  |  | 10/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777652 | xxxxxx | 26793301 | xxxxxx | xxxxxx | 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 in file. Must be approved by the investor. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-14): Client elects to waive with verified compensation factors |  |  | 09/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777652 | xxxxxx | 26809830 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for max # of properties owned by borrower with Lender is > 5. Must be approved by the investor. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-14): Client elects to waive with verified compensation factors |  |  | 09/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777652 | xxxxxx | 26809845 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.88 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.10. | STR purchase, minimum DSCR 1.10 | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-13): Exceptions must be approved by the investor |  |  | 09/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776012 | xxxxxx | 26796761 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA address is xxxxxx, note address is xxxxxx |  | Reviewer Comment (2022-10-11): Updated CDA provided | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776012 | xxxxxx | 26797444 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.73 is less than Guideline PITIA months reserves of 2.00. |  | 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. | Reviewer Comment (2022-09-19): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-16): The account provided was already in file at time of review. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments, gift funds, 1031 exchange funds, fees on Page 3 of the CD or page 1 of the Final HUD. Condition remains. |  |  | 09/19/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776012 | xxxxxx | 26817162 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-Rural properties max acreage is xxxxxx. Property is xxxxxx. Investor exception in file. | 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. | Reviewer Comment (2022-09-13): Client elects to waive with verified compensation factors |  |  | 09/13/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775855 | xxxxxx | 26795780 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-09-28): FTP provided | 09/28/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 775855 | xxxxxx | 26817416 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the Borrower. |  | Reviewer Comment (2022-09-20): Quit Claim Deed provided. Refer doc id xxxxxx. Hence, exception cleared.<br>Reviewer Comment (2022-09-16): The comments of this being a refinance has no bearing on this condition. The title is currently not vested in the name of the Borrower but in the name of a Corporation. | 09/20/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 775855 | xxxxxx | 26817423 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Title Supplemental Report reflects vesting is to be in a business name, however loan closed in an individual name. |  | Reviewer Comment (2022-09-23): FTP provided<br>Reviewer Comment (2022-09-21): Exception remains same. As per page 3, of title document xxxxxx still reflecting vesting name is in a business name instead of individual name. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 775855 | xxxxxx | 26817427 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of ownership in xxxxxx (currently vested on title). |  | Reviewer Comment (2022-10-04): Grant deed provided from vested to xxxxxx and xxxxxx to our borrower along with evidence in file for ownership of xxxxxx.<br>Reviewer Comment (2022-09-28): The QC deed does not clear this condition. Further the business on the QC deed is not the business vested on title nor was it transferred to the borrower at time of application. This is a refinance transaction. We need evidence that the vested party the borrower had ownership in at time of application which is a guideline requirement.<br>Reviewer Comment (2022-09-23): This is a refinance transaction. We need evidence that the vested party the borrower had ownership in at time of application. | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 775855 | xxxxxx | 26817460 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a clear title search. Defaulted tax amount paid for xxxxxx , however loan closed after that, therefore the higher September defaulted amount should have been paid. Further, there are other delinquent taxes on title not addressed. |  | Reviewer Comment (2022-09-16): Final Settlement Statement confirms the payoff of the default taxes. Hence, the exception is cleared. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 777428 | xxxxxx | 26804260 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Borrower does not meet the minimum 720 FICO for an escrow waiver. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777428 | xxxxxx | 26804313 | xxxxxx | xxxxxx | 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%. | Per matrix, DSCR < 1.00, loan amount xxxxxx and FICO 700+, max LTV on a purchase is 70%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-20): The client elects to waive with comp factors. |  |  | 09/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775945 | xxxxxx | 26819254 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The Blanket Policy HOI does not have the correct borrower's name not unit number. |  | Reviewer Comment (2022-09-23): Updated policy provided | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775945 | xxxxxx | 26819265 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | The CPL in file is not for the subject property |  | Reviewer Comment (2022-09-23): CPL provided. Refer doc id xxxxxx Hence, exception cleared. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775945 | xxxxxx | 26819277 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception: Single Entity within the project owns 22.40% of the total units which exceed the 20% max allowed. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-13): Client elects to waive with verified compensation factors |  |  | 09/13/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775945 | xxxxxx | 26819284 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Unit number is missing |  | Reviewer Comment (2022-09-23): Flood Cert provided. Refer doc id xxxxxx Hence, exception cleared. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775945 | xxxxxx | 26819292 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide the Fraud Report for xxxxxx. |  | Reviewer Comment (2022-09-23): Received Fraud Report dated xxxxxx for borrower xxxxxx addressing all the red flags. Exception cleared. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777081 | xxxxxx | 26824806 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-19): Received Fraud report addressing all the red flags. Document attached. Exception cleared. | 09/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777296 | xxxxxx | 26795556 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-09-16): Title Final received. Exception Cleared. | 09/16/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | B A |  | A |  | N/A | No |
| xxxxxx | 773106 | xxxxxx | 26799679 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Cash-out transactions not eligible for a first time investor. |  | Reviewer Comment (2022-09-16): Property profile report provided with additional property ownership with evidence of ownership of LLC in file.<br>Reviewer Comment (2022-09-16): Property profile report supporting the REO xxxxxx owned from xxxxxx is not provided. Please provide the documents to confirm the experience. | 09/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 773106 | xxxxxx | 26799696 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx , Disbursement date: xxxxxx | Prior Hazard Disclosure required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-16): Verifying no claims is not sufficient. The borrower needed to have HOI in place at time of closing. |  |  | 09/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 773106 | xxxxxx | 26825078 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the borrower's primary residence or evidence free and clear. Per the Fraud Report, a mortgage was taken out on xxxxxx . |  | Reviewer Comment (2022-09-19): Received Property history report reflecting the borrower is not the owner of the property xxxxxx and as per LOX he's staying rent free with his xxxxxx. No history needed. Exception cleared.<br>Reviewer Comment (2022-09-16): Provide the updated 1003. The property profile report for the borrower's primary residence verifies no ownership in property.<br>Reviewer Comment (2022-09-16): There is no property profile report in file. Further, the 1003 is not a viable sourced for evidence of free and clear. Provide the Note for the premises to verify that the borrower not obligated to any liens as the fraud report shows a vested owner. | 09/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 773106 | xxxxxx | 26825259 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the executed deed transferring the property to the borrower. |  | Reviewer Comment (2022-09-15): Exception is cleared received executed Quit Claim Deed | 09/15/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 777777 | xxxxxx | 26795501 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-09-16): Title Final received with policy amount xxxxxx, Exception Cleared | 09/16/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777777 | xxxxxx | 26797918 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of 3.73% is less than Guideline required borrower's own funds of 10.00%. | Minimum requirement for down payment is 10% of the Borrower's own funds when receiving Gift Funds. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-20): The client elects to waive with comp factors. |  |  | 09/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777777 | xxxxxx | 26797970 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-09-20): The final title was provided. | 09/20/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777777 | xxxxxx | 26812536 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letters for $200,000 and $77,588.29 are dated after closing. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-20): The client elects to waive with comp factors. |  |  | 09/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777725 | xxxxxx | 26798008 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. |  | Reviewer Comment (2022-09-20): HOI covering Sufficient amount. Exception Cleared | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 777725 | xxxxxx | 26826287 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The branch manager, or branch personnel designated by the branch manager, will email the borrower to verify that the property is an investment property, on every loan. Provide the email. |  | Reviewer Comment (2022-09-20): Email provided. Refer doc xxxxxx. Hence, exception cleared. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 777725 | xxxxxx | 26826301 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | 1007 does not reflect Lease information and Lease agreement was not provided. |  | Reviewer Comment (2022-09-20): Lease agreement received. Exception Cleared. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 777725 | xxxxxx | 26826351 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, a CDA is required, however there is a CU score of 1.0 in file which is acceptable for securitization. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-16): Client elects to waive with verified compensation factors |  |  | 09/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 773581 | xxxxxx | 26795637 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary <br> State: xxxxxx |  |  | Reviewer Comment (2022-09-20): Lenders Supplemental Report received showing the amount xxxxxx, Exception Cleared | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 777726 | xxxxxx | 26798139 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2022-09-20): Flood Certificate received xxxxxx, Exception Cleared | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777726 | xxxxxx | 26826380 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift Letter Addendum must be completed by donor. Provide the addendum. |  | Reviewer Comment (2022-09-29): Addendum provided<br>Reviewer Comment (2022-09-20): Exception remains same. As per guideline, we require Gift Letter Addendum must be completed by donor. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777726 | xxxxxx | 26826428 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The branch manager, or branch personnel designated by the branch manager, will email the borrower to verify that the property is an investment property, on every loan. |  | Reviewer Comment (2022-09-20): Document provided. Refer doc id xxxxxx. Hence, exception cleared. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777085 | xxxxxx | 26833137 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | The HOA questionnaire has the incorrect property address and borrower name. |  | Reviewer Comment (2022-10-10): HOA questionnaire provided<br>Reviewer Comment (2022-09-19): The HOA questionnaire has the incorrect property address and borrower name. xxxxxx. Please provide for xxxxxx for borrower xxxxxx. Exception Remains. | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777085 | xxxxxx | 26833170 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-19): Received fraud report addressing all the red flags. Document attached. Exception cleared. | 09/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 774876 | xxxxxx | 26833791 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: xxxxxx // Account Type: Trust Funds / Account Number: 4975, Financial Institution: xxxxxx // Account Type: Trust Funds / Account Number: 3865, Financial Institution: xxxxxx // Account Type: Checking / Account Number: 8595 | Only 1 month of statements were provided when 2 are required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-09-20): The client elects to waive with comp factors. |  |  | 09/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774876 | xxxxxx | 26833798 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Provide the Trust Agreement for accounts #4975 & 3865. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-09-20): The client elects to waive with comp factors. |  |  | 09/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774876 | xxxxxx | 26833917 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide the Fraud Report for xxxxxx. |  | Reviewer Comment (2022-09-20): Received fraud report for both the borrowers addressing all the red flags. Exception cleared. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774876 | xxxxxx | 26833966 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | All pages of the executed HUD-1 were not provided |  | Reviewer Comment (2022-09-20): All pages of the HUD-1 were provided. | 09/20/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 774876 | xxxxxx | 26833977 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | ARR does not reflect xxxxxx |  | Reviewer Comment (2022-09-20): A corrected ARR was provided. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 775836 | xxxxxx | 26835731 | xxxxxx | xxxxxx | 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%. | Investor exception in file, however comp factor is incorrect. DSCR is < 1.15. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-16): Client elects to waive with verified compensation factors |  |  | 09/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776091 | xxxxxx | 26835749 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Blanket HOI does not reflect the subject property address or borrower. |  | Reviewer Comment (2022-09-23): Additional policy provided | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 776091 | xxxxxx | 26835770 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for 50% in condo xxxxxx are not owner occupied and the HOA builder is in control. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-15): Client elects to waive with verified compensation factors |  |  | 09/15/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 776091 | xxxxxx | 26835786 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  | Reviewer Comment (2022-09-23): Purchase contract and addendum provided. Refer doc id xxxxxx. Hence, exception cleared. | 09/23/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 775909 | xxxxxx | 26810246 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership in xxxxxx Usability limited to % owned. |  | Reviewer Comment (2022-09-23): Ops Agreement provided. Trust Agreement in file. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775909 | xxxxxx | 26810253 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-09-28): FTP provided | 09/28/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775909 | xxxxxx | 26843852 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor exception in file: Private party landlord, documented payments being made but no VOM provided. However, comp factors are currently incorrect. Reserves are short. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors |  |  | 09/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775909 | xxxxxx | 26843908 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-09-28): FTP provided<br>Reviewer Comment (2022-09-26): Now new documents provided. Please try uploading again. | 09/28/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775909 | xxxxxx | 26843909 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $43,973.25 is less than Cash From Borrower $236,724.94. |  |  | Reviewer Comment (2022-09-26): HUD-1 from refi of previous transaction provided. Shows transfer to this loan for closing funds.<br>Reviewer Comment (2022-09-23): The statements for the LLC were already considered at time of review. Per Ops Agreement, owned by trust, per trust agreement owned xxxxxx with another trustee. Borrower does not have sufficient reserves.<br>Reviewer Comment (2022-09-23): Exception Explanation Updated from: Documented qualifying Assets for Closing of $66,646.49 is less than Cash From Borrower $236,724.94. | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775909 | xxxxxx | 26843911 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. |  |  | Reviewer Comment (2022-09-26): HUD-1 from refi of previous transaction provided. Shows transfer to this loan for closing funds.<br>Reviewer Comment (2022-09-23): The statements for the LLC were already considered at time of review. Per Ops Agreement, owned by trust, per trust agreement owned xxxxxx with another trustee. Borrower does not have sufficient reserves. | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 773803 | xxxxxx | 26807898 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-10-13): Title Supplemental received with loan amount. Exception Cleared. | 10/13/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 773803 | xxxxxx | 26809804 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Clearance report only provided |  | Reviewer Comment (2022-10-04): Received fraud report dated xxxxxx addressing all the red flags. Exception cleared. | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 773803 | xxxxxx | 26843958 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  | Reviewer Comment (2022-09-20): CPL received. Exception Cleared. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 773803 | xxxxxx | 26844004 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-09-20): The approval was provided. | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 773803 | xxxxxx | 26844012 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the both mortgage liens being paid off through closing. |  | Reviewer Comment (2022-10-12): VOM provided for subject property. Refer doc id xxxxxx Hence, exception cleared.<br>Reviewer Comment (2022-09-20): Received mortgage statements for borrowers primary property "xxxxxx". Need VOM for subject property which is getting paid off. Exception remains. | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 773803 | xxxxxx | 26844020 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxxxx is missing from address |  | Reviewer Comment (2022-10-04): HOI provided. Refer doc id xxxxxx. Hence, exception cleared. | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 776396 | xxxxxx | 26840491 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letter addendums in file are only signed by the borrower but not completed nor signed and dated by the donor. |  | Reviewer Comment (2022-09-22): Exception Cleared gift letter signed and dated by the donor. | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778015 | xxxxxx | 26810675 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Borrower's primary: Will need a rent free letter from the owner of the property, that is signed and dated to confirm that the borrower does not have any financial obligations to the property. |  | Reviewer Comment (2022-09-28): Received LOX from borrower's spouse explaining the borrower is not liable to pay any primary housing expense. The property is owned by xxxxxx Documents attached. Exceptioncleared.<br>Reviewer Comment (2022-09-27): The document provided does not clear this condition. The guidelines require a rent free letter from the owner of the property, that is signed and dated, to confirm the borrower does not have any financial obligations to pay. | 09/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | C A |  | N/A | No |
| xxxxxx | 778015 | xxxxxx | 26810886 | xxxxxx | xxxxxx | 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: xxxxxx |  |  | Reviewer Comment (2022-09-22): Exception is cleared received Form xxxxxx | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | C A |  | N/A | No |
| xxxxxx | 778012 | xxxxxx | 26810247 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2022-09-21): Tax Cert provided | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778013 | xxxxxx | 26810572 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | The lender used the full amount from the business account; however, the guidelines only allow up to the borrower's ownership percentage in the business. The Operating Agreement for the business reflects the borrower only owns 50% of the business; therefore, only 50% of the balance can be used to qualify the loan. |  | Reviewer Comment (2022-09-27): Additional bank statement provided for personal account that reflects additional funds. Per guidelines, DSCR does not require source of large deposits. | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 778013 | xxxxxx | 26810595 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $81,661.69 is less than Cash From Borrower $93,143.01. | The lender used the full amount from the business account; however, the guidelines only allow up to the borrower's ownership percentage in the business. The Operating Agreement for the business reflects the borrower only owns 50% of the business; therefore, only 50% of the balance can be used to qualify the loan. |  | Reviewer Comment (2022-09-27): Additional bank statement provided for personal account that reflects additional funds. Per guidelines, DSCR does not require source of large deposits. | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 778013 | xxxxxx | 26840437 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Beneficial Owner Disclosure. |  | Reviewer Comment (2022-09-27): Disclosure provided | 09/27/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 776621 | xxxxxx | 26810866 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the borrower's primary residence. |  | Reviewer Comment (2022-09-23): VOM provided.<br>Reviewer Comment (2022-09-21): As per The VOM provided, the mortgage originated on xxxxxx . The file does not have any bank statements or cancelled checks to verify the housing history. Please provide a bank statements to verify 12 months history. Exception remains. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 776621 | xxxxxx | 26846506 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2022-09-23): Articles provided<br>Reviewer Comment (2022-09-21): The document provided is the Operating Agreement. Condition is calling for Articles of Org/Formation. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 776621 | xxxxxx | 26846508 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-09-23): Approval provided | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 776621 | xxxxxx | 26846519 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-09-21): Received Business Purpose Certificate signed by borrower | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777130 | xxxxxx | 26814849 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Must be 100% owner. |  | Reviewer Comment (2022-09-20): Operating Agreement received showing Borrower as 100% ownership , Exception Cleared | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777130 | xxxxxx | 26814865 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-09-21): Approval provided | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777130 | xxxxxx | 26846684 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | VOR is from a private landlord. Provide cancelled checks. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-21): No new documents were provided for the private landlord VOR on the borrower's primary residence. Cancelled checks are required. |  |  | 09/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777130 | xxxxxx | 26846711 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month VOM for the subject property. Only 1 month provided. |  | Reviewer Comment (2022-09-26): VOM provided in file<br>Reviewer Comment (2022-09-21): As per closing statement, and from the lender (xxxxxx), the previous mortgage originated on xxxxxx Provided bank statement is a duplicate bank statement which is already present in the file. Interest collected is not evidence of payments. Please provide a VOM to capture 12 months housing history. Exception remains. | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777130 | xxxxxx | 26846725 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Section 2 of the Occupancy Cert is not completed. |  | Reviewer Comment (2022-09-21): Updated disclosure provided | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776436 | xxxxxx | 26824246 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Power of Attorney (POA) not provided |  | The documents are signed by a Power of Attorney (POA). The POA is missing from the file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-05): The guidelines require a POA to have an expiration date. Investor can elect to waive.<br>Reviewer Comment (2022-09-23): The POA provided does not reflect an expiration date which is a guideline requirement<br>Reviewer Comment (2022-09-21): Received POA is not signed and executed. Hence required updated POA. |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776436 | xxxxxx | 26824396 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-09-21): Received Approval Document. | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775775 | xxxxxx | 26815238 | xxxxxx | xxxxxx | 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%. | The guidelines allow for a maximum LTV of 70% for a DSCR loan with a score less than 1.00. The loan closed with a score below 1.00 and an LTV of 75%. The file contains a Lender exception. The file is missing the Investor exception. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-09-20): Client elects to waive with verified compensation factors |  |  | 09/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775775 | xxxxxx | 26853101 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal in file has a complete date post-closing. Provide the pre-close appraisal. |  | Reviewer Comment (2022-09-20): Preclose appraisal provided | 09/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 775744 | xxxxxx | 26817973 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2022-09-22): HOI provided. See added exception.<br>Reviewer Comment (2022-09-22): Since the Policy period start after the disbursement date<br>Reviewer Comment (2022-09-22): Exception cleared Received Hazard Insurance Policy | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 775744 | xxxxxx | 26818038 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require verification of the borrower's primary residence and subject property on a refinance transaction There is an investor exception in file for payment history with no VOM's, however the payment history was not provided for either property and is required. |  | Reviewer Comment (2022-09-29): Received VOM completed by lender for subject property. Exception cleared.<br>Reviewer Comment (2022-09-22): Received 12 months pay history for borrower's primary property. Missing housing history for subject property. Please provide VOM for the same. Exception remains. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 775744 | xxxxxx | 26818049 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The guidelines require a copy of the lease agreement. The Appraisal report verifies there is a lease in place for the subject property; however, the file is missing a copy of the lease agreement. |  | Reviewer Comment (2022-09-22): Exception is cleared received Lease agreement for the subject property | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 775744 | xxxxxx | 26818063 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2022-09-22): Title policy provided | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 775744 | xxxxxx | 26818071 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-09-22): CU score of 2.0 provided | 09/22/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 775744 | xxxxxx | 26818076 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Flood Certificate reflects the city as xxxxxx; however, the Note reflects the city as xxxxxx. |  | Reviewer Comment (2022-09-22): exception is cleared received Flood Certificate | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 775744 | xxxxxx | 26853796 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  | Reviewer Comment (2022-09-22): Exception cleared received Closing Protection Letter | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 775744 | xxxxxx | 26853800 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Section 1 is not completed. |  | Reviewer Comment (2022-09-22): Exception is cleared received Non-Owner Occupancy Declaration | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 775744 | xxxxxx | 26874164 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-09-29): Supplemental report provided with amount<br>Reviewer Comment (2022-09-28): The only document provided was the HOI which does not clear this condition. Condition is stating the Prelim title does not reflect a coverage amount. Provide the title supplement or updated prelim. | 09/29/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 775744 | xxxxxx | 26874204 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx ; Disbursement date: xxxxxx ; Note date: xxxxxx ; Transaction date: xxxxxx | Dry State: Policy effective date is after the disbursement date | 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.<br>Borrower has owned the subject property for at least 5 years.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-10-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-12): Everything on the current policy for the property must be accurate. The seller has provided several polices, all which reflect inaccurate dates, borrower information, or mortgagee+ ISAOA. The last document provided with effective dates prior to closing does not have the correct borrower nor mortgagee+ ISAOA. Condition remains. The policy in effect at time of closing must reflect all current information.<br>Reviewer Comment (2022-10-05): The document provided does not reflect the correct borrower, correct mortgagee +ISAOA<br>Reviewer Comment (2022-09-29): Exception Remains - As per document received only received email conversation to update the date xxxxxx . Need HOI document with updated date<br>Reviewer Comment (2022-09-28): Same HOI was provided that was in file at time of review. Reflects policy period is from xxxxxx - xxxxxx  |  |  | 10/13/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 775744 | xxxxxx | 26904093 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for proof of payments with no VOM. | 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.<br>Borrower has owned the subject property for at least 5 years.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-09-29): Client elects to waive with verified compensation factors |  |  | 09/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 775744 | xxxxxx | 26904119 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | CPL, Title Policy, and Title Supplement with policy amount reflects a city of xxxxxx vs. xxxxxx. | 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.<br>Borrower has owned the subject property for at least 5 years.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-10-10): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed<br>Reviewer Comment (2022-10-04): A Wikipedia search does not clear this condition. The investor requires all documents to match. |  |  | 10/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 775744 | xxxxxx | 26904127 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The HOI reflects a city of xxxxxx vs. xxxxxx. | 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.<br>Borrower has owned the subject property for at least 5 years.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-10-10): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed<br>Reviewer Comment (2022-10-04): A Wikipedia search does not clear this condition. The investor requires all documents to match. |  |  | 10/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 777309 | xxxxxx | 26824925 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2022-09-22): Received operating agreement for xxxxxx and signed by the borrower. Document attached. Exception cleared. | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 777309 | xxxxxx | 26825046 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-26): The same comments were provided that were previously rejected. The loan closed in an Entity and the Note is signed by the individual on behalf of the Entity. The Guarantor form is required.<br>Reviewer Comment (2022-09-23): The loan closed in an Entity and the Note is signed by the individual on behalf of the Entity. The Guarantor form is required.<br>Reviewer Comment (2022-09-22): The guarantor agreement does not pertain to the property being occupied or vacant. This is required when the loan closes in an Entity and the individual credit qualifying is guaranteeing the loan on behalf of the Entity. |  |  | 09/28/2022 | 2 D B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 777309 | xxxxxx | 26853180 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2022-09-21): HOA Questionnaire provided. Refer doc id xxxxxx. Exception cleared. | 09/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 777809 | xxxxxx | 26851782 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects Owner Occupied. |  | Reviewer Comment (2022-09-26): Updated appraisal provided | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 775485 | xxxxxx | 26853214 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-21): Client elects to waive with verified compensation factors |  |  | 09/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 778021 | xxxxxx | 26856160 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | VOR in file is from a private landlord. Cancelled checks are required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776566 | xxxxxx | 26825153 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-09-22): Business Purpose Certificate is provided in file. | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777062 | xxxxxx | 26856421 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HO6 policy does not reflect the Trust as insured. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-27): The document provided is dated post closing and not acceptable. Provide the corrected pre-close HO6 policy. |  |  | 09/29/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777062 | xxxxxx | 26856426 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The Blanket Policy does not reflect the subject property address. |  | Reviewer Comment (2022-10-07): Blanket HOI policy with correct subject property address was uploaded.<br>Reviewer Comment (2022-10-06): Updated appraisal received reflecting xxxxxx. however, please see comments from xxxxxx The Blanket HOI for xxxxxx reflects an address covered of xxxxxx which is not the subject property.<br>Reviewer Comment (2022-09-29): The document provided reflects the location description is xxxxxx. The subject property is xxxxxx. Further, the complex is xxxxxx HOA per the appraisal and policy provided is for xxxxxx. | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777062 | xxxxxx | 26856472 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $150,000.00. | DSCR < 1.50 requires a xxxxxx minimum loan amount. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-21): Client elects to waive with verified compensation factors |  |  | 09/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776910 | xxxxxx | 26836139 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 629 is less than Guideline representative FICO score of 660. | Investor exception in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 2 or more properties for 12 months | Reviewer Comment (2022-09-19): Client elects to waive with verified compensation factors |  |  | 09/19/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776910 | xxxxxx | 26856655 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Section 2 not completed. |  | Reviewer Comment (2022-09-27): Updated cert provided<br>Reviewer Comment (2022-09-27): The same form was provided that was in file at time of review. The form is not complete. This is a C/O refinance, and section 2 states "Refinance Only (the following must be completed on a refinance transaction). | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776910 | xxxxxx | 26856665 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | If the cash-out seasoning is less than 12 months, but greater than 6 months, the transaction property value is limited to the lower of the current appraised value or the property's purchase price plus documented improvements. Provide evidence of the purchase price. Cash-Out Seasoning is defined as the time difference between application date of the new loan and the property acquisition date.<br> o A minimum borrower seasoning | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 2 or more properties for 12 months | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-04): The same comments were provided again that were previously rejected. We see that the borrower signed the deed, however see comments from xxxxxx If evidence of ownership cannot be validated in xxxxxx (previous owner), then the condition is valid. A partner is not necessarily an owner ad it appears the deed is originally from estate of a deceased individual.<br>Reviewer Comment (2022-10-04): We see that the borrower signed the deed, however see comments from xxxxxx If evidence of ownership cannot be validated in xxxxxx (previous owner), then the condition is valid. A partner is not necessarily an owner ad it appears the deed is originally from estate of a deceased individual. |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778241 | xxxxxx | 26856718 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Per the Operating Agreement provided, Series 5 is owned by 2 Entitles - xxxxxx (66.67%) and xxxxxx (33.33%). Provide the Operating Agreement for xxxxxx. Must support Guarantor ownership of > 25%. Further, any additional members with > 25% must be on the loan and provide credit documents, if applicable. | 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. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-22): The guidelines require a Guarantor to have 25% ownership as well as all members with 25% to be on the loan. This has no bearing on who is appointed to sign the documents per the Corporate Resolution or how the documents were signed. It should be further noted, xxxxxx did not sign any documents. The current Operating Agreement for the series reflects multiple LLC's owning the business. We need to see those Operating Agreements to see who owns the Borrowing Entity to determine if the guidelines were met. If this cannot be provided or another route was take for this loan that does not meet the guidelines, an investor exception will be required. |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 778241 | xxxxxx | 26862344 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2022-09-23): EIN stays same. Documents provided. Refer doc id # D0181, D0182. Hence, exception cleared.<br>Reviewer Comment (2022-09-22): Exception remains Employer Identification Number provided is for xxxxxx but we require EIN number for xxxxxx | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 778241 | xxxxxx | 26862357 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-09-22): Approval is provided in file (D0179). | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 778241 | xxxxxx | 26862390 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  | Reviewer Comment (2022-09-22): xxxxxx ledger provided | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 777582 | xxxxxx | 26865823 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2022-09-22): Exception Cleared received Articles of Organization/Formation | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | A |  | N/A | No |
| xxxxxx | 777582 | xxxxxx | 26865841 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Investment Affidavit. The document in file is not executed. |  | Reviewer Comment (2022-09-22): Exception is cleared received Investment Affidavit | 09/22/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | A |  | N/A | No |
| xxxxxx | 778243 | xxxxxx | 26862270 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for 3 judgments on Guarantor's background report for a total of $12,116 to remain open. Must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-22): Client elects to waive with verified compensation factors |  |  | 09/22/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778243 | xxxxxx | 26862277 | xxxxxx | xxxxxx | 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 0.66 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | C/O transactions require a minimum 1.00 DSCR. Lender exception in file. Must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-22): Client elects to waive with verified compensation factors |  |  | 09/22/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778259 | xxxxxx | 26859662 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI is missing unit xxxxxx from address. |  | Reviewer Comment (2022-09-22): Exception cleared received HOI with clarification that xxxxxx and xxxxxx is same | 09/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778259 | xxxxxx | 26859667 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Lender exception in file for address. Must be approved by the Investor. | 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.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778259 | xxxxxx | 26859855 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Provide evidence of when the property was acquired by the Guarantors as the deeds in file and appraisal reflect property was purchased on xxxxxx for an undisclosed amount and the appraised value was utilized to qualify. | 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.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-22): The document labeled Closing Disclosure is not a CD but just a history that appears either the borrower/seller provided on a word documents. Provide the actual sale CD or HUD for the property. |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778259 | xxxxxx | 26859905 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file which must be approved by the investor. At time of inspection, the property was vested in xxxxxx although on xxxxxx, the vesting was changed to the xxxxxx. The appraisal shows a purchase date of xxxxxx which is the date xxxxxx and xxxxxx split up the properties they own together. A check for xxxxxx is the agreed upon difference between the subject property that xxxxxx kept and another property xxxxxx kept. | 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.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778261 | xxxxxx | 26852152 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.87 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Minimum DSCR for a cash out refinance is 1.00x. Subject was approved at 0.87x. Lender exception in file. Must be approved by the Investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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. | Reviewer Comment (2022-09-22): Client elects to waive with verified compensation factors |  |  | 09/22/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778254 | xxxxxx | 26858286 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-26): The tax amount affects the DSCR. A DSCR calculation is a guideline requirement. Escrows are required per guidelines. Therefore, land only taxes are not acceptable which is what the $3,000 annually is and this is from the appraisal. Further, the guidelines do require a tax cert as well in file. The tax cert provided is for land only taxes and encumbers multiple properties per the documents provided. Investor can elect to waive.<br>Reviewer Comment (2022-09-22): We need evidence of what the estimated taxes are going to be. The only amount collected was $250/month on a xxxxxx loan amount and property valued at xxxxxx . This is a new construction build. The taxes collected are land taxes only. Further, we would need separate tax bill with correct parcels/property addresses. |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778254 | xxxxxx | 26860277 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Lender exception in file. Must be approved by the Investor. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors |  |  | 09/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778255 | xxxxxx | 26856378 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Lender Exception in file. Must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors |  |  | 09/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778255 | xxxxxx | 26861094 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-26): The tax amount affects the DSCR. A DSCR calculation is a guideline requirement. Escrows are required per guidelines. Therefore, land only taxes are not acceptable which is what the $3,000 annually is and this is from the appraisal. Further, the guidelines do require a tax cert as well in file. The tax cert provided is for land only taxes and encumbers multiple properties per the documents provided. Investor can elect to waive.<br>Reviewer Comment (2022-09-22): We need evidence of what the estimated taxes are going to be. The only amount collected was $250/month on a xxxxxx loan amount and property valued at xxxxxx This is a new construction build. The taxes collected are land taxes only. Further, we would need separate tax bill with correct parcels/property addresses. |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777464 | xxxxxx | 26859969 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert address does not state Unit # |  | Reviewer Comment (2022-10-10): Document provided. Refer doc id # D0415. Hence, exception cleared. | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777464 | xxxxxx | 26867881 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | Provide all pages of the HOA questionnaire. |  | Reviewer Comment (2022-10-07): HOA questionnaire provided | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777464 | xxxxxx | 26867888 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Provide the new pre-scored repot dated prior to closing. The report goes off the Order date vs. completed date. |  | Reviewer Comment (2022-10-13): Updated credit report provided | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778252 | xxxxxx | 26859052 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2022-09-26): As EIN stays same. Documents also provided for the same. Refer doc id # D0050, D0203. Hence, exception cleared.<br>Reviewer Comment (2022-09-22): Exception remains receive EIN document for xxxxxx we require EIN document for 110\* xxxxxx - Series 2 | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778252 | xxxxxx | 26862469 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Per the Operating Agreement provided, Series 4 is owned by 2 Entitles - xxxxxx (66.67%) and xxxxxx (33.33%). Provide the Operating Agreement for xxxxxx. Must support Guarantor ownership of > 25%. Further, any additional members with > 25% must be on the loan and provide credit documents, if applicable. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-22): The guidelines require a Guarantor to have 25% ownership as well as all members with 25% to be on the loan. This has no bearing on who is appointed to sign the documents per the Corporate Resolution or how the documents were signed. It should be further noted, xxxxxx did not sign any documents. The current Operating Agreement for the series reflects multiple LLC's owning the business. We need to see those Operating Agreements to see who owns the Borrowing Entity to determine if the guidelines were met. If this cannot be provided or another route was take for this loan that does not meet the guidelines, an investor exception will be required. |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778253 | xxxxxx | 26862500 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Per the Operating Agreement provided, Series 2 is owned by 2 Entitles - xxxxxx (66.67%) and xxxxxx (33.33%). Provide the Operating Agreement for xxxxxx. Must support Guarantor ownership of > 25%. Further, any additional members with > 25% must be on the loan and provide credit documents, if applicable. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-22): The guidelines require a Guarantor to have 25% ownership as well as all members with 25% to be on the loan. This has no bearing on who is appointed to sign the documents per the Corporate Resolution or how the documents were signed. It should be further noted, xxxxxx did not sign any documents. The current Operating Agreement for the series reflects multiple LLC's owning the business. We need to see those Operating Agreements to see who owns the Borrowing Entity to determine if the guidelines were met. If this cannot be provided or another route was take for this loan that does not meet the guidelines, an investor exception will be required. |  |  | 09/26/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778253 | xxxxxx | 26862501 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2022-09-26): Document provided. Refer doc id # D0063, D0079. Hence, exception cleared.<br>Reviewer Comment (2022-09-22): Exception remains provided document is for xxxxxx we require EIN number for xxxxxx - Series 2 | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 773734 | xxxxxx | 26868241 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | VOM for subject property completed by a private/non-institutional lender. Provide the cancelled checks. |  | Reviewer Comment (2022-09-26): Additional bank statement provided reflecting check for March payment cleared in April. Considered 1x30x12 since there is no evidence of when the check was sent.<br>Reviewer Comment (2022-09-23): Only 5 months bank statements provided. A uncancelled check copy as sent in for 3/2022 which is not acceptable. Provide the cancelled check or bank statement showing cashed. | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 773734 | xxxxxx | 26868281 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of ownership in xxxxxx (vested on title). |  | Reviewer Comment (2022-09-23): Operating Agreement provided | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 773740 | xxxxxx | 26868252 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | VOM for subject property completed by a private/non-institutional lender. Provide the cancelled checks. |  | Reviewer Comment (2022-09-23): Cancelled check provided. Refer doc id #D0690. Hence, exception cleared. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 773740 | xxxxxx | 26868286 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of ownership in xxxxxx (vested on title). |  | Reviewer Comment (2022-09-23): Operating Agreement provided. Refer doc id # D0683. Hence, exception cleared. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 776376 | xxxxxx | 26861237 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $400,000.00. | Investor exception in file, however comp factors are incorrect. Reserves are not > 10 months or more required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-23): Client elects to waive with verified compensation factors |  |  | 09/23/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776837 | xxxxxx | 26868897 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | VOM for primary residence is from a non-institiuonal/private lender. Cancelled checks required. |  | Reviewer Comment (2022-09-23): Cancelled check provided. Refer doc id # D0205. Hence, exception cleared. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 776837 | xxxxxx | 26868910 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the Borrowing Entity. |  | Reviewer Comment (2022-09-23): Warranty Deed provided. Refer doc id #D0204. Hence, exception cleared. | 09/23/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 778256 | xxxxxx | 26866567 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The transfer of shares document was not executed. |  | Reviewer Comment (2022-09-23): Document provided. Refer doc id # D0083. Hence, exception cleared. | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 776916 | xxxxxx | 26871400 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title policy reflects a mortgage lien that was not paid through closing. Provide a clear title policy. |  | Reviewer Comment (2022-09-26): Supplement provided removing #8 | 09/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 771667 | xxxxxx | 26862290 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Per guidelines, lease agreement required. If one cannot be provided, an exception will be warranted. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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 qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-10-04): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-27): The 1003 does not clear this condition. The guidelines require a lease agreement. |  |  | 10/04/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 771667 | xxxxxx | 26871807 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception in file for single entity ownership greater than 20% (Actual 87.5%). | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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 qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-09-22): Client elects to waive with verified compensation factors |  |  | 09/22/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 771667 | xxxxxx | 26872113 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Unit number is missing |  | Reviewer Comment (2022-09-30): Updated flood cert provided | 09/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778257 | xxxxxx | 26870745 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Lender exception in file. Must come from the investor. | The Loan to Value (LTV) 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 778171 | xxxxxx | 26852785 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the corrected 1003. Per the documents in file, the borrower currently lives and owns xxxxxx vs. xxxxxx (which is the subject property purchase). Further, 1003 reflects unmarried, yet the DOT reflects married. |  | Reviewer Comment (2022-10-05): Corrected 1003 provided | 10/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778171 | xxxxxx | 26870868 | xxxxxx | xxxxxx | 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%. | Novice Investor: 5% TV deduction applies. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-19): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-05): The lender provided us with the 7.2022 lender to guidelines to review to. DSCR > 1.00, FICO 680+, loan amount <$1MIL, purchase transaction, max LTV 75% and then 5% deduction for Novice Investor. Max LTV 70%. |  |  | 10/19/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778171 | xxxxxx | 26950482 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-13): Client elects to waive. PDI received dated xxxxxx : No Damage<br>Reviewer Comment (2022-10-11): PDI will be ordered |  |  | 10/13/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776470 | xxxxxx | 26872294 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Only the clearance report was provided. |  | Reviewer Comment (2022-10-05): Received clearance report addressing all red flags. Exception cleared.<br>Reviewer Comment (2022-10-03): The clearance report provided has red flags that are open and not addressed. Please provide a clearance report addressing all red flags. Exception remains.<br>Reviewer Comment (2022-09-27): The full Fraud Report provided is dated post closing and after the clearance report. Provide the clearance report for the new fraud report provided.<br>Reviewer Comment (2022-09-23): The same document was provided that was in file at time of review. The document provided is just the clearance report. We need the full Fraud Report. | 10/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776470 | xxxxxx | 26872312 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-30): Client elects to waive with verified compensation factors |  |  | 09/30/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776470 | xxxxxx | 26872368 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  | Reviewer Comment (2022-09-23): Lease agreement provided | 09/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776470 | xxxxxx | 26872379 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Provide the new scored credit report dated prior to closing | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-27): Refresh report is not acceptable. A new scored report dated prior to closing is required. |  |  | 10/10/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777124 | xxxxxx | 26879052 | xxxxxx | xxxxxx | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Provide the color appraisal. xxxxxx copy only in file. |  | Reviewer Comment (2022-09-29): Exception cleared received color appraisal | 09/29/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 777124 | xxxxxx | 26879057 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HO6 does not reflect the Entity as insured. |  | Reviewer Comment (2022-10-07): Received Hazard Insurance in the name of Corporation and Property address with Units.<br>Reviewer Comment (2022-10-04): The updated HOI does not reflect the Unit number in the address<br>Reviewer Comment (2022-09-29): Exception remains provided HO6 does not reflect the Entity as insured. | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 777124 | xxxxxx | 26879091 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note/DOT+ Riders were not executed property. Just shows LLC for the signature line vs. the Borrowing Entity. Further, per the Business Entity documents in file, the Borrowing Entity is a Corporation vs. LLC. |  | Reviewer Comment (2022-10-12): LOE and mailing label provided<br>Reviewer Comment (2022-10-12): Cleared in error. Pending receipt of LOE to the borrower.<br>Reviewer Comment (2022-10-12): Correct Note/DOT + Riders provided and all are correctly executed by borrower. Also, the mortgage has been re-recorded. . Refer doc id # D0519, D0520, D0521, D0522, D0523, D0524. Hence, exception cleared.<br>Reviewer Comment (2022-10-04): Cleared in error. All executed documents provided still reflect LLC when the Entity documents reflect this is a Corporation. All documents will need to be corrected and re-executed, as well as the new DOT needs to be notarized. Further, will also need an LOE to borrower, Lender's Letter of Intent to Re-Record, and evidence of delivery to the borrower.<br>Reviewer Comment (2022-09-29): Exception received Note document with the signature line as Borrowing Entity. | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 777124 | xxxxxx | 26879094 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the receipt of current year franchise tax payment or clear search |  | Reviewer Comment (2022-10-10): Cert of Good Standing provided. Statement status for entity shows current which means fees were paid.<br>Reviewer Comment (2022-10-07): Active status does not indicate taxes are paid. If this cannot be provided, an exception will need to be granted by the investor.<br>Reviewer Comment (2022-10-04): The document provided does not clear the condition. This is not in regards to tax returns being filed. This condition pertains to the franchise payment for the Entity, evidence paid or clear search provided. Franchise taxes are is a fee charged by the State in order to conduct business there. | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 777819 | xxxxxx | 26865918 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for property under minimum xxxxxx square footage. Exception must be approved by investor. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778349 | xxxxxx | 26867042 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | The guidelines require the guarantor to provide a personal identification which was not provided in the file. |  | Reviewer Comment (2022-09-27): DL provided | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778349 | xxxxxx | 26867097 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance policy reflects coverage of xxxxxx. The loan amount is xxxxxx and the estimated replacement cost is $305,337.02. |  | Reviewer Comment (2022-10-11): Received hazard insurance policy with increased Dwelling (D0104), Exception Cleared<br>Reviewer Comment (2022-09-28): The RCE reflects the replacement cost is $305,337.02. The HOI policy dwelling coverage is $305,000. The dwelling coverage does not cover the replacement cost listed on the RCE. | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778349 | xxxxxx | 26867111 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | Borrower: xxxxxx |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-23): Client elects to waive |  |  | 09/23/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778349 | xxxxxx | 26876822 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA: City is misspelled. |  | Reviewer Comment (2022-09-27): Corrected CDA provided | 09/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778349 | xxxxxx | 26877057 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Wire Ticket to Settlement Agent. |  | Reviewer Comment (2022-09-27): Wire Ticket provided | 09/27/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778349 | xxxxxx | 26947551 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx | Please provide most recent site Inspection date (Post Disaster Inspection) | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-20): PDI received dated xxxxxx : No Damage<br>Reviewer Comment (2022-10-11): A Post Disaster Inspection (PDI) Report from Clear Capital or Damage Assessment Report (DAR) from Pro Teck may be used. Any indication of damage reflected on the report will require a re-inspection by the appraiser.<br> • The appraiser may perform an inspection (xxxxxx® Form 1004D) and comment on the event and certify that there has been no change to the value. |  |  | 10/20/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778082 | xxxxxx | 26868239 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for property listed in the last 6 months. Investor must approve. | 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. | Reviewer Comment (2022-09-27): Client elects to waive with verified compensation factors |  |  | 09/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776402 | xxxxxx | 26871122 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: xxxxxx // Account Type: Checking / Account Number: 8652, Financial Institution: xxxxxx // Account Type: Savings / Account Number: 4551 | Guidelines require asset documentation to be dated within 90 days of the Note date. Statements provided for accounts 8652 and 4551 are not dated within 90 days of the Note date as required. Please provide updated statements. |  | Reviewer Comment (2022-09-29): Received bank statement for #8652. Acc #4551 is not used to qualify hence Cleared the Exception.<br>Reviewer Comment (2022-09-28): Bank statement provided only for account #8652. Please also provide bank statement for account # 4551 which is within 90 days of the note date. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 776402 | xxxxxx | 26871132 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The business purpose certificate provided is not fully completed with loan closing date, seller name, loan amount or property address as required. |  | Reviewer Comment (2022-09-28): BP Cert provided | 09/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777425 | xxxxxx | 26871999 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-10-04): CDA provided. Refer doc id # D0117. Hence, exception cleared. | 10/04/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 777425 | xxxxxx | 26887081 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Section 2 is not completed. |  | Reviewer Comment (2022-10-07): Updated cert provided | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 777425 | xxxxxx | 26887093 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-10-04): Supplemental report provided | 10/04/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 778119 | xxxxxx | 26872022 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, non-institutional mortgages require that payments be verified with either canceled checks or bank statements and a copy of the Note to verify payment amount and due date. Subject loan was held by non-institutional private party and loan file is missing 12 months canceled checks or bank statements and a copy of the Note as required. Further, VOM provided is blank. |  | Reviewer Comment (2022-10-12): Note provided. Balloon Note with no payments/<br>Reviewer Comment (2022-10-12): The same documents were provided that were previously provided. The debt being paid off through closing is not xxxxxx. The debt on the subject property being paid through closing is being held by xxxxxx.<br>Reviewer Comment (2022-10-10): The debt being paid off through closing is not xxxxxx. The debt on the subject property being paid through closing is being held by xxxxxx.<br>Reviewer Comment (2022-10-03): Provided Bank statement and pay history is not provided for the subject property. To clear this exception, we need 12 months Bank statements/cancelled checks to verify the payments as the mortgage is held by a private party. Exception remains. | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778217 | xxxxxx | 26872459 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, maximum acreage is xxxxxx. Per appraisal in file, subject is xxxxxx. Loan file contains lender exception request; however, all exception requests must come from the Investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-29): Client elects to waive with verified compensation factors |  |  | 09/29/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 776884 | xxxxxx | 26885722 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The Final Settlement Statement provided is not signed/stamped certified. |  | Reviewer Comment (2022-09-29): The Final Settlement Statement provided is signed/stamped | 09/29/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 777518 | xxxxxx | 26886434 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | If the cash-out seasoning is less than 12 months, but greater than 6 months, the transaction property value is limited to the lower of the current appraised value or the property's purchase price plus documented improvements. Lender utilized the appraised value. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-31): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-21): The rebuttal provided is not acceptable as it does not pertain to this condition. This condition has to do with C/O seasoning vs a lease agreement. |  |  | 10/31/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777518 | xxxxxx | 26886455 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Pre-close policy does not have the ISAOA. Post-close policy has correction, but cannot be considered. |  | Reviewer Comment (2022-10-14): Updated policy provided | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777518 | xxxxxx | 26886468 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  | Reviewer Comment (2022-10-19): Client attestation via comments that property is a short term rental. 1007 reflects long term rents. Per guidelines, either or can be provided. No LTV deduction if long term rents utilized.<br>Reviewer Comment (2022-10-17): The rebuttal LOE does not clear this condition. This is a guideline requirement for the lease agreement regardless if 1007 was utilized in calcs or not. The guidelines do not say if a lease cannot be obtained, the property can just be considered vacant. | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778358 | xxxxxx | 26885575 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the Background and Credit Authorization form and the Property Management Questionnaire. |  | Reviewer Comment (2022-09-29): Exception Cleared Background and Credit Authorization form and the Property Management Questionnaire. received | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 778358 | xxxxxx | 26885578 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Investment Affidavit. |  | Reviewer Comment (2022-09-29): Exception cleared Investment Affidavit received | 09/29/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 778209 | xxxxxx | 26874988 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxxxx Acct #0491; source of funds for large deposits needed as follows:<br> xxxxxx |  | Reviewer Comment (2022-11-22): The source of funds was provided. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 778209 | xxxxxx | 26875085 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 | Secondary valuation is required and is missing from file. |  | Reviewer Comment (2022-10-18): CDA received<br>Reviewer Comment (2022-10-17): CDA will be ordered | 10/18/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 778209 | xxxxxx | 26886040 | xxxxxx | xxxxxx | 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%. | DSCR < 1.00. max LTV is 70%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-11-18): Client elects to waive with verified compensation factors |  |  | 11/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 776491 | xxxxxx | 26886738 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception: xxxxxx exposure to a single borrower shall not exceed xxxxxx UPB or 10 loans. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<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 DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors |  |  | 09/26/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B |  | A |  | N/A | No |
| xxxxxx | 770740 | xxxxxx | 26878974 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Cert in file is not executed by the title agent. |  | Reviewer Comment (2022-09-29): Received Tax Certificate | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 770740 | xxxxxx | 26879040 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-09-29): The seller provided acceptable UCDP reports with 1.0 score | 09/29/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 770740 | xxxxxx | 26887054 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Section 2 is not completed. |  | Reviewer Comment (2022-09-29): Received Occupancy Certificate Executed by borrower | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 777732 | xxxxxx | 26880000 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-09-30): Business Purpose Certificate Received, Exception Cleared. | 09/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 777732 | xxxxxx | 26886091 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2022-09-29): HOA questionnaire provided | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 777732 | xxxxxx | 26886106 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  |  |  | Reviewer Comment (2022-09-29): NOO provided | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 777732 | xxxxxx | 26886117 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1007 reflects short term rents. Per guidelines, either a 1007 with long term rents is required or a 12 month rental history statement from the rental service is required for STR. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2022-10-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-06): Email does not clear this condition. Per SNL 8.2022 guidelines, for STR, either a 1007 with long term rents is required or a 12 month rental history statement from the rental service is required for STR. The 1007 reflects short term rents.<br>Reviewer Comment (2022-09-30): No new documents were uploaded for this condition. Please try again. However, please note, a Property Profile report would not clear this condition. |  |  | 10/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 777732 | xxxxxx | 26886119 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The branch manager, or branch personnel designated by the branch manager, will email the borrower to verify that the property is an investment property, on every loan. Provide the email. |  | Reviewer Comment (2022-09-29): Brach email provided | 09/29/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 777732 | xxxxxx | 26886146 | xxxxxx | xxxxxx | 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%. | Per appraiser addendum, property is a xxxxxx. Max per guidelines is 65% for xxxxxx on a C/O refinance. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2022-10-18): Client elects to waive with verified compensation factors |  |  | 10/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 777731 | xxxxxx | 26886292 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The branch manager, or branch personnel designated by the branch manager, will email the borrower to verify that the property is an investment property, on every loan. Provide the email. Email in file is not for our borrower. |  | Reviewer Comment (2022-09-29): Email provided | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777863 | xxxxxx | 26887595 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidenced that the primary residence is free and clear. |  | Reviewer Comment (2022-10-11): Transaction History provided for 12 months of xxxxxx. Refer doc id # D0243. Hence, exception cleared.<br>Reviewer Comment (2022-10-07): No additional documents received. Per comments on xxxxxx Corrected 1003 provided, however need 12 month mortgage history for xxxxxx<br>Reviewer Comment (2022-10-06): Corrected 1003 provided, however need 12 month mortgage history for xxxxxx<br>Reviewer Comment (2022-10-05): Please provide Property profile report supporting primary residence is free & clear.<br>Reviewer Comment (2022-10-04): The 1003 does not clear this condition. Provide evidence property is free and clear via a property profile report. | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778207 | xxxxxx | 26884930 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Properties with acreage xxxxxx are ineligible per guidelines. Subject is on xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-03): Client elects to waive with verified compensation factors |  |  | 10/03/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778207 | xxxxxx | 26885052 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | All pages of the Final Closing Statement are missing. |  | Reviewer Comment (2022-09-29): Final stamped settlement statement provided. Reflects escrows.<br>Reviewer Comment (2022-09-29): The settlement statement provided is not stamped/signed by the title agent. | 09/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778207 | xxxxxx | 26892480 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | All pages of the Final Closing Statement are missing. |  | Reviewer Comment (2022-09-29): Final stamped settlement statement provided<br>Reviewer Comment (2022-09-29): The settlement statement provided is not stamped/signed by the title agent. | 09/29/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778207 | xxxxxx | 26892493 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003. Per the 1003 in file, borrower has no ownership in Primary Residence. |  | Reviewer Comment (2022-10-06): Revised 1003 reflecting Primary residence as No Primary housing expense was received.<br>Reviewer Comment (2022-10-04): The 1003 provided now has the owned box checked which is still incorrect. The borrower has no ownership in the primary residence. No primary housing expense should be checked which is what this box is for on the new 1003 form. The updated 1003 does not need to be executed or initialed, only corrected. | 10/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778371 | xxxxxx | 26885405 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Provide the unexpired Perm Resident card. |  | Reviewer Comment (2022-10-06): Perm resident card provided<br>Reviewer Comment (2022-09-30): Neither an SSI nor driver's license is evidence of US citizenship. Perm Residents and Non-Perm Residents can obtain SSN's. Further, per the 1003, the borrower is marked as being a Perm Resident. Per guidelines, a perm resident cared is required. Condition remains. | 10/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778371 | xxxxxx | 26892603 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | Lender exception in file to utilize VOM in lieu of cancelled checks for non-institutional lender. Must be approved by the investor. | 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. | Reviewer Comment (2022-10-20): The client elects to waive. |  |  | 10/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778170 | xxxxxx | 26887043 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-03): The lender would like to waive |  |  | 10/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778170 | xxxxxx | 26894152 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the borrower's primary residence. Property profile report reflects a mortgage lien taken out in 2019. LOE provided stating lives rent free, however the Note must be provided to show they are not obligated to the loan. |  | Reviewer Comment (2022-10-21): Received note document for borrower's primary property "xxxxxx". As per note, borrower's non-borrowing spouse "xxxxxx" is obliged to the payments of the property and the borrower stays rent free. Document attached. Exception cleared.<br>Reviewer Comment (2022-10-07): Provided Note is for the subject property "xxxxxx". Need note for the primary property "xxxxxx" to verify if the borrower is obliged to the loan and primary housing expenses.. Exception remains.<br>Reviewer Comment (2022-10-04): The mortgage statement is not acceptable as mortgage statements will not always reflect all borrowers. Provide the Note verifying not obligated to the loan as property profile reflects vested. | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777301 | xxxxxx | 26886575 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2022-10-07): Received Operating Agreement for borrowing entity.<br>Reviewer Comment (2022-10-04): Articles of Org and Cert of Good Standing provided. Condition is calling for Operating Agreement. | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777301 | xxxxxx | 26899502 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. |  | Reviewer Comment (2022-10-07): Revised HOI reflecting Entity as insured is provided. | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 775726 | xxxxxx | 26901226 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Provide the Trust Agreement for use of account #5046 |  | Reviewer Comment (2022-10-10): Trust Agreement provided. Refer doc id # D0308. Hence, exception cleared. | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 775726 | xxxxxx | 26901436 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Purchase Price on Closing Statement does not match Purchase Contract. Provide contract addendum with corrected sales price to match Closing Statement. |  | Reviewer Comment (2022-10-13): Contract addendum was provided with corrected sales price | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777668 | xxxxxx | 26891845 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Commitment <br> State: xxxxxx |  |  | Reviewer Comment (2022-10-04): Exception is cleared received Final Title Policy on which coverage is provided. | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777668 | xxxxxx | 26901182 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-10-04): FTP provided | 10/04/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777837 | xxxxxx | 26901503 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-11-10): BP Cert provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777837 | xxxxxx | 26905486 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777837 | xxxxxx | 26905504 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  |  |  | Reviewer Comment (2022-11-10): NOO provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777837 | xxxxxx | 26905506 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The branch manager, or branch personnel designated by the branch manager, will email the borrower to verify that the property is an investment property, on every loan. Provide the email. |  | Reviewer Comment (2022-11-11): Email provided | 11/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777837 | xxxxxx | 26905523 | xxxxxx | xxxxxx | 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%. | DSCR < 1.00, FICO 7000+, Max LTV for purchase is 70%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-18): Client elects to waive with verified compensation factors |  |  | 11/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778512 | xxxxxx | 26898999 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date xxxxxx , Note Date xxxxxx | Hazard Insurance Policy Expiration Date xxxxxx , Note Date xxxxxx |  | Reviewer Comment (2022-10-07): Updated HOI provided | 10/07/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | D A |  | N/A | No |
| xxxxxx | 778512 | xxxxxx | 26899475 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2022-10-05): Title Commitment supporting Proposed policy amount equal to note loan amount is received. | 10/05/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | D A |  | N/A | No |
| xxxxxx | 778512 | xxxxxx | 26899476 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-10-04): CDA provided | 10/04/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | D A |  | N/A | No |
| xxxxxx | 778512 | xxxxxx | 26899519 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2022-10-04): Ops Agreement provided. 100% owner is the Guarantor on the loan. | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | D A |  | N/A | No |
| xxxxxx | 778512 | xxxxxx | 26899521 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Must be 100% owner. |  | Reviewer Comment (2022-10-04): Ops Agreement provided | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | D A |  | N/A | No |
| xxxxxx | 778512 | xxxxxx | 26905779 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | The CPL does not reflect the Entity as insured. |  | Reviewer Comment (2022-10-05): CPL reflecting entity as insured is received. Exception cleared.<br>Reviewer Comment (2022-10-04): Per the DOT and all other documents, the loan closed in the name of the Entity. Condition remains. | 10/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | D A |  | N/A | No |
| xxxxxx | 778512 | xxxxxx | 26905804 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2022-10-04): EIN provided | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | D A |  | N/A | No |
| xxxxxx | 778512 | xxxxxx | 26905808 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Provide the lease agreement for xxxxxx. The appraisal notes both units are leased and paying rent. |  | Reviewer Comment (2022-10-04): Lease provided | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | D A |  | N/A | No |
| xxxxxx | 778512 | xxxxxx | 26905818 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the signed/stamped Final Settlement Statement to verify tax liens paid through closing. The amount paid on the Final CD is less than what was on the title policy. Further, a PC-CD cannot be accepted without a Final Settlement statement to support as a PC-CD is a lender generated document. |  | Reviewer Comment (2022-10-14): Final SS provided reflects liens paid through closing<br>Reviewer Comment (2022-10-07): The title company provides the Final Settlement Statement and it is required to clear this condition. A CD is not acceptable nor a CD stamped certified.<br>Reviewer Comment (2022-10-05): The document provided is a CD vs. signed/stamped Final Settlement statement. Adding true and certified as the top of the CD is not acceptable nor does it appear the title company added this. Provide the signed/stamped Final Settlement Statement to verify tax liens paid through closing. The amount paid on the Final CD is less than what was on the title policy. Further, a PC-CD cannot be accepted without a Final Settlement statement to support as a PC-CD is a lender generated document. | 10/14/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | D A |  | N/A | No |
| xxxxxx | 778512 | xxxxxx | 26905849 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | > 1 year old |  | Reviewer Comment (2022-10-04): Updated cert provided | 10/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | D A |  | N/A | No |
| xxxxxx | 778511 | xxxxxx | 26904729 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2022-10-10): Exception cleared received Articles of Organization/Formation | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778511 | xxxxxx | 26904730 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Must be within 1 year of consummation |  | Reviewer Comment (2022-10-10): Exception is cleared received Certificate of Good Standing | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778511 | xxxxxx | 26904731 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2022-10-10): Exception is cleared received Employer Identification Number (EIN) | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778511 | xxxxxx | 26904734 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Must be 100% owner. |  | Reviewer Comment (2022-10-10): Exception is cleared received Operating Agreement | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778511 | xxxxxx | 26906035 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  | Reviewer Comment (2022-10-10): Exception is cleared received Closing Protection Letter | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778511 | xxxxxx | 26906053 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2022-10-14): Ops Agreement provided. 100% owner on loan | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778511 | xxxxxx | 26906064 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Provide the lease agreement for Unit xxxxxx. |  | Reviewer Comment (2022-10-10): Exception cleared received Lease Agreement for xxxxxx | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778511 | xxxxxx | 26906070 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | 1st red flag not addressed |  | Reviewer Comment (2022-10-12): Cleared report provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778511 | xxxxxx | 26906071 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided |  | Notary date not present, estimated consummation date used for testing purposes. The day is missing. Just shows xxxxxx. |  | Reviewer Comment (2023-01-17): Affidavit of Facts Affecting Title Real Property reflects the notary date of the mortgage to be xxxxxx.<br>Reviewer Comment (2022-11-21): Waived per investor request.<br>Reviewer Comment (2022-11-17): An affidavit of facts affecting title real property was provided. This does not supersede the documents required to cure the condition which were corrected DOT with date added and xxxxxx Affidavit along with an LOE to the borrower and evidence of delivery to the borrower. If the investor is accepting as-is, the condition can be waived.<br>Reviewer Comment (2022-10-24): The date cannot just be added after the borrower signs. Cure provisions were provided on xxxxxx . To cure: Corrected DOT with day added to the date and a Scriveners Affidavit along with an LOE to borrower and evidence of delivery to the borrower.<br>Reviewer Comment (2022-10-18): The LOE is not sufficient. The condition is not stating a stamp is needed for the notary. It is stating the notary did not properly date the DOT; the day is missing. Only reflects September,2022. To cure: Corrected DOT with day added to the date and a Scriveners Affidavit along with an LOE to borrower and evidence of delivery to the borrower. | 01/17/2023 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 777728 | xxxxxx | 26905391 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CPL and Title do not reflect the Trust as insured/proposed vesting. |  | Reviewer Comment (2022-10-10): Supplemental report provided updating vesting<br>Reviewer Comment (2022-10-06): Update CPL provided. Pending receipt of updated title. | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777728 | xxxxxx | 26905445 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary <br> State: xxxxxx |  |  | Reviewer Comment (2022-10-06): Supplemental report provided | 10/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 775996 | xxxxxx | 26903397 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-11): Client elects to waive with verified compensation factors. PDI received dated xxxxxx reflects No Damage |  |  | 10/11/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775996 | xxxxxx | 26906111 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Delayed Financing: The source of funds for the purchase transaction are documented (such as bank statements, personal loan documents, or a HELOC on another property). | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors. |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775996 | xxxxxx | 26906113 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | HO6 is missing the Mortgagee + ISAOA. |  | Reviewer Comment (2022-10-06): Updated HO6 provided | 10/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775996 | xxxxxx | 26906114 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Delayed Financing: The maximum LTV/CLTV ratio for the transaction is based upon the lower of the current appraised value or the property's purchase price plus documented improvements, however the lender utilized the appraised value to qualify and evidence of documented improvements was not provided. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors. |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775996 | xxxxxx | 26906154 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month housing history for the borrower's primary residence. The Fraud Report reflects purchased on xxxxxx and the 1003 does not list the previous residence. Current primary housing history in file. Needed for the previous. Also, updated 1003 with correct 2 year residency will also be required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors. |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 775996 | xxxxxx | 26906187 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | FTI not allowed for C/O transactions. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors. |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776342 | xxxxxx | 26904488 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | Borrower: xxxxxx % of Business Ownership: 80.00% | Investor exception in file for business ownership 80% to credit qualify alone. However, comp factors are incorrect. DSCR is not > 1.15 and LTV Is not 5% above the max. | 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. | Reviewer Comment (2022-10-10): Client elects to waive with verified compensation factors |  |  | 10/10/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776342 | xxxxxx | 26906230 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor exception in file for no housing history for borrower's current primary residence. However, comp factors are incorrect. DSCR is not > 1.15 and LTV Is not 5% above the max. | 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. | Reviewer Comment (2022-10-10): Client elects to waive with verified compensation factors |  |  | 10/10/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776342 | xxxxxx | 26906236 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  | 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. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776342 | xxxxxx | 26906237 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  | 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. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-06): None of the documents provided clear this condition. Condition is calling for Articles of Org/Formation. |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776342 | xxxxxx | 26906243 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  | 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. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776342 | xxxxxx | 26906245 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Page 1 of the appraisal reflects Tenant Occupied, however the 1007 provided reflects Owner Occupied. If property is vacant, then LTV is reduced to 65% per guidelines and loan closed at 70%. | 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. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778141 | xxxxxx | 26905094 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2022-10-19): Supplement provided | 10/19/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778141 | xxxxxx | 26914959 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HO6 policy does not reflect the Trust as insured. |  | Reviewer Comment (2022-10-19): Updated HO6 policy provided | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 777719 | xxxxxx | 26916098 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. |  | Reviewer Comment (2022-10-07): Received HOI in name of Entity | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 777095 | xxxxxx | 26905976 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-07): Received fraud report addressing all red flags. Exception cleared. | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777120 | xxxxxx | 26905803 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2022-10-07): Tax Certificate provided. Exception Cleared. | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777120 | xxxxxx | 26905807 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2022-10-07): HOA Questionnaire provided. Exception Cleared. | 10/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777120 | xxxxxx | 26905855 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2022-10-07): Title Commitment received with the sufficient loan amount. Exception Cleared. | 10/07/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777120 | xxxxxx | 26916266 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx , Disbursement date: xxxxxx | Wet State: HO6 policy effective date is after the closing date. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-28): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-10-24): Email to investor: The only date on the DOT is xxxxxx . Therefore, that is the date utilized for closing. If xxxxxx signed on a different date, we would be able to utilize that date for closing to compare to the effective date of the HOI, however we would need to see the corrected DOT, xxxxxx Affidavit, LOE to borrower, and evidence of delivery to the borrower.<br>Reviewer Comment (2022-10-13): LOE from seller is not sufficient. The loan closed on xxxxxx per the DOT (not taken from deed) and since xxxxxx is a West State, the policy needed to be in effect at time of close. |  |  | 10/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 773748 | xxxxxx | 26915666 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | Borrower: xxxxxx % of Business Ownership: 68.00% | Lender exception in file. Must be approved by the investor. | 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. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 773748 | xxxxxx | 26915777 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  | 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. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 776345 | xxxxxx | 26909096 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-10-19): Supplement provided | 10/19/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 776345 | xxxxxx | 26920449 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Section 2 is not completed. |  | Reviewer Comment (2022-10-17): Updated NOO provided | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 776039 | xxxxxx | 26914429 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx <br> Disaster End date: xxxxxx | Appraisal is missing. If completed after disaster upon receipt, condition will be cleared. |  | Reviewer Comment (2022-10-12): Appraisal provided. Completed after disaster. | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 776039 | xxxxxx | 26914437 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-10-12): Appraisal received | 10/12/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 776039 | xxxxxx | 26914444 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2022-10-12): Title provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 776039 | xxxxxx | 26921243 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a clear title policy or Final Title Policy. Lien on title appears to be a cross collateral tied to multiple properties. |  | Reviewer Comment (2022-10-24): Cleared FTP provided | 10/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 776039 | xxxxxx | 26921277 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2022-10-12): Tax Cert provided | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 776039 | xxxxxx | 26957949 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-10-24): FTP provided | 10/24/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 776040 | xxxxxx | 26909144 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2022-10-11): Tax Cert provided | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 776040 | xxxxxx | 26909153 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2022-10-26): Hazard Insurance Policy received , Exception Cleared<br>Reviewer Comment (2022-10-24): The attached does not clear the condition. The HOI policy is missing from the file. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 776040 | xxxxxx | 26909225 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2022-10-11): Title provided | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 776040 | xxxxxx | 26921289 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a clear title policy or Final Title Policy. Lien on title appears to be a cross collateral tied to multiple properties. |  | Reviewer Comment (2022-10-24): Cleared FTP provided | 10/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778376 | xxxxxx | 26910653 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2022-10-10): Tax Cert provided | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778376 | xxxxxx | 26920121 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Provide the lease agreements for units xxxxxx and xxxxxx. Leases in file are for xxxxxx |  | Reviewer Comment (2022-10-13): Corrected lease agreements provided<br>Reviewer Comment (2022-10-11): The appraisal nor title reflect xxxxxx as an address for the subject property. Further the appraisal notes this is a xxxxxx property that is occupied by tenants. Lease Agreements are required per guidelines. | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 776913 | xxxxxx | 26910715 | xxxxxx | xxxxxx | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The appraiser marked the question on page 1 for property listed for sale in the last 12 months as Yes, however then proceeded to make comments that it has not been listed for sale in the past 12 months. | The Loan to Value (LTV) 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>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. | Reviewer Comment (2022-10-13): Client elects to waive with verified compensation factors |  |  | 10/13/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 776913 | xxxxxx | 26920850 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. |  | Reviewer Comment (2022-10-17): Updated HOI provided | 10/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 776913 | xxxxxx | 26920856 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The Note was not property executed. Loan closed in an LLC. Note should reflect the Borrowing Entity by Guarantor. | The Loan to Value (LTV) 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>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. | Reviewer Comment (2022-10-13): Client elects to waive with verified compensation factors |  |  | 10/13/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 776913 | xxxxxx | 26920862 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2022-10-17): Guarantor Agreement provided. See added condition | 10/17/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 776913 | xxxxxx | 26920864 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  | The Loan to Value (LTV) 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>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. | Reviewer Comment (2022-10-13): Client elects to waive with verified compensation factors |  |  | 10/13/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 776913 | xxxxxx | 26989400 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, the Guarantor Agreement must be executed at closing. The document provided was executed post closing. | The Loan to Value (LTV) 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>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. | Reviewer Comment (2022-10-18): Client elects to waive with verified compensation factors |  |  | 10/18/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778464 | xxxxxx | 26915052 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2022-10-12): Exception is cleared Hazard Insurance Policy | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777909 | xxxxxx | 26914537 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | The borrower is a First Time Investor which allows a maximum LTV of 75%. The loan closed with an LTV of 80%. The file contains an Investor exception. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-05): Client elects to waive with verified compensation factors |  |  | 10/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777909 | xxxxxx | 26914541 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  | Reviewer Comment (2022-10-10): Exception is cleared Lender or Servicer and its successors and assigns is listed | 10/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778263 | xxxxxx | 26924848 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | W-8 is required on Foreign National borrowers |  | Reviewer Comment (2022-11-10): W-8 provided | 11/10/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 776998 | xxxxxx | 26932449 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2022-10-11): Articles of Organization/Formation received. Exception Cleared. | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778067 | xxxxxx | 26920938 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2022-10-14): Final signed SS provided<br>Reviewer Comment (2022-10-13): Page 2 was provided, however it is not signed nor is the settlement statement stamped certified by the title agent.<br>Reviewer Comment (2022-10-12): Received 1st page of Final Closing statement , 2nd page is missing , Please provide all the pages (both 1st & 2nd), Exception Remains | 10/14/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 778713 | xxxxxx | 26931560 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003 to reflect borrower has no ownership in the primary residence. |  | Reviewer Comment (2022-10-11): Received updated 1003 to reflect borrower has no ownership in the primary residence.(D0075), Exception Cleared | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 778713 | xxxxxx | 26931592 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated only in file |  | Reviewer Comment (2022-10-14): Final stamped SS provided<br>Reviewer Comment (2022-10-14): The stamped/certified in red is not coming over in the upload. Please try emailing to the investor to email to the DD firm.<br>Reviewer Comment (2022-10-13): The document provided does not have the stamped/certified still.<br>Reviewer Comment (2022-10-11): Received Final Closing Statement but the document received is not Executed or Stamped , Please provide Executed or Stamped Copy. Exception Remains | 10/14/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 778713 | xxxxxx | 26931596 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-12): Exception is cleared received Fraud Report | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 777347 | xxxxxx | 26936452 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects Owner Occupied | 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. | Reviewer Comment (2022-10-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-12): The same LOE was provided. The LOE does not clear this condition. The appraisal must be updated. Investor can elect to waive.<br>Reviewer Comment (2022-10-12): The LOE does not clear this condition. The appraisal must be updated. Investor can elect to waive.<br>Reviewer Comment (2022-10-11): Lender would like to waive |  |  | 10/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777347 | xxxxxx | 26936459 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 68.06283% exceeds Guideline loan to value percentage of 65.00000%. | 5% LTV deduction for vacant property. Appraisal currently reflects Owner Occupied. If leased, provide the lease agreement. If vacant, the 5% LTV deduction off the max of 70% is valid. | 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. | Reviewer Comment (2022-10-11): Client elects to waive with verified compensation factors |  |  | 10/11/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779087 | xxxxxx | 26931517 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Wire Ticket to Settlement Agent not provided |  | Reviewer Comment (2022-10-11): Exception cleared Wire Ticket to Settlement Agent | 10/11/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | A |  | N/A | No |
| xxxxxx | 779087 | xxxxxx | 26931540 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Provide the executed term sheet. |  | Reviewer Comment (2022-10-11): Approval Document received, Exception Cleared | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | A |  | N/A | No |
| xxxxxx | 777475 | xxxxxx | 26921063 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-10-11): Business Purpose Certificate received (D0384), Exception Cleared | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777475 | xxxxxx | 26937262 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | Provide 6 months cancelled checks for the private VOR on xxxxxx.. |  | Reviewer Comment (2022-10-14): Payment history provided<br>Reviewer Comment (2022-10-11): 6 months cancelled checks for the private VOR not provided. Hence, exception remains same. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777475 | xxxxxx | 26937279 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal reflects property is in a PUD, however the PUD rider for this transaction was not provided nor does the DOT reflect a PUD rider attached. Provide the executed PUD rider, correct DOT adding PUD rider, LOE to borrower, evidence of delivery to the borrower and Lender's Letter of Intent to Re-Record. |  | Reviewer Comment (2023-01-10): The corrected PUD Rider and updated mortgage were received.<br>Reviewer Comment (2022-10-26): Still missing LOE to the borrower, evidence of delivery to the borrower, and Lender's Letter of Intent to Re-Record.<br>Reviewer Comment (2022-10-26): Received executed PUD rider, received correct DOT adding PUD rider and received recorded DOT , Exception Cleared | 01/10/2023 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777475 | xxxxxx | 26937329 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Delayed Financing: The lender is utilizing the purchase appraisal from the original purchased vs. new appraisal. Assignment Type is listed as purchase, owner of record is the previous seller, and shows listed for sale with purchase contract information. Investor exception will be required to allow this. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-11): The title does not clear this condition. The guidelines do not allow for an old purchase appraisal to be utilized on delayed financing considered cashout |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777475 | xxxxxx | 26937333 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Delayed: Financing: The preliminary title search or report must confirm that there are no existing liens on the subject property. Current the title reflects the previous liens from the original owner. Provide the clear title. |  | Reviewer Comment (2022-10-11): Correct Title report provided. Refer doc id # D0362. Hence, exception cleared. | 10/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777475 | xxxxxx | 26937364 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Per the Fraud Report, the borrower has not owned any investment property for > 12 months in the past 36 months. C/O not allowed on First Time Investors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-11): Provide the approved exception form with comp factors. The document attached is a request. |  |  | 10/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 777228 | xxxxxx | 26931628 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | For VORs provided by private landlords, 12-months recent cancelled checks and/or bank statements are required to support paid as agreed. |  | Reviewer Comment (2022-10-12): Exception cleared received 12-months recent cancelled checks | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 777228 | xxxxxx | 26931750 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated only provided |  | Reviewer Comment (2022-10-12): Final SS provided | 10/12/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 778984 | xxxxxx | 26921549 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2022-10-12): Tax Certificate received, Exception Cleared | 10/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778984 | xxxxxx | 26922659 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx ; Disbursement date: xxxxxx ; Note date: xxxxxx ; Transaction date: xxxxxx | Dry State: Effective date of HOI is after the disbursement date |  | Reviewer Comment (2022-10-26): Received Closing statement with Disbursement date as xxxxxx . Exception Cleared.<br>Reviewer Comment (2022-10-24): The settlement statement provided is not signed/stamped certified by the title agent.<br>Reviewer Comment (2022-10-18): PC-CD does not clear this condition as it is a lender generated document. If the Final CD disbursement date is incorrect, please provide the Final, signed/stamped certified settlement statement to verify disbursement date. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778984 | xxxxxx | 26932358 | xxxxxx | xxxxxx | 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%. | Novice Investor: 5% LTV deduction off the max LTV | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-04): Whether or not the response was from the lender's UW or investor, the document provided is the investor's matrix which this loan was not reviewed to. An investor exception will be required.<br>Reviewer Comment (2022-11-03): The document provided is not acceptable as this loan was not underwritten to the investor's guidelines.<br>Reviewer Comment (2022-10-28): Documentation reflecting the date the borrower inherited the property would be required. The current trust agreement does not reflect that the property was inherited, but that it will be inherited.<br>Reviewer Comment (2022-10-26): The Trust Agreement reflects the borrower will inherit the property and does not confirm ownership. That property was only currently inherited. Novice investor deduction remains.<br>Reviewer Comment (2022-10-21): The property profile report for xxxxxx reflects xxxxxx as the owner. The name affidavit in file does not list this as an AKA for the borrower. Property cannot be considered.<br>Reviewer Comment (2022-10-18): The property profile report is for the borrower's primary residence. The borrower does not own any other properties > 12 months within the past 36 months. Novice Investor. |  |  | 11/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778850 | xxxxxx | 26937725 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The Blanket HOI reflects a our borrower as the unit owner, however an address of xxxxxx vs. xxxxxx on page 2. |  | Reviewer Comment (2022-10-19): Updated blanket provided<br>Reviewer Comment (2022-10-14): The blanket policy must also show it covers the subject property. The borrower owning both units has no bearing on this. | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778850 | xxxxxx | 26937758 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx project exposure and Single entity ownership allowed up to 20% of the project. The borrower is buying both units in the complex. |  | Reviewer Comment (2022-10-14): Per investor email: For xxxxxx projects, we follow xxxxxx, a project review isn't required, and the other project restrictions wouldn't apply.<br> To avoid this happening in the future, I made a note to add a bullet in the next update, under the 2-4 criteria, that other restrictions don't apply.<br>Reviewer Comment (2022-10-13): This condition is not referencing an HOA questionnaire but xxxxxx project exposure and Single entity ownership allowed up to 20% of the project. The borrower is buying both units in the complex. Investor exception is required. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777249 | xxxxxx | 26938185 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of where the borrower is currently living. The most recent VOR completed on xxxxxx reflects borrower's tenancy ended on xxxxxx as well as the Driver's License address reflects the subject property. |  | Reviewer Comment (2022-10-21): Updated 1003 and new lease agreement provided<br>Reviewer Comment (2022-10-17): Lease provided reflects new primary address. Provide the updated 1003 with the correct 2 year housing history. | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778524 | xxxxxx | 26944675 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI and Flood Insurance Policies do not reflect xxxxxx for the unit number vs Note/DOT+ Riders. |  | Reviewer Comment (2022-10-13): New Note Provided. Insurance address matches Note address. Exception Cleared. | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778524 | xxxxxx | 26944678 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert does not reflect xxxxxx for the unit number vs Note/DOT+ Riders. |  | Reviewer Comment (2022-10-13): Note received with correct address matching Flood Certificate. Exception Cleared. | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778524 | xxxxxx | 26944680 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The Appraisal does not reflect xxxxxx for the unit number vs Note/DOT+ Riders. |  | Reviewer Comment (2022-10-13): Note received with address reflecting as per Valuation. Exception Cleared. | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778524 | xxxxxx | 26944683 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx | All high risk red flags are not addressed |  | Reviewer Comment (2022-10-13): Received fraud report addressing all red flags. Exception cleared. | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778524 | xxxxxx | 26944689 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CPL and Title does not reflect xxxxxx for the unit number vs Note/DOT+ Riders. |  | Reviewer Comment (2022-10-19): LOE and mailing label provided<br>Reviewer Comment (2022-10-18): The email provided is only for the LOI. Still need LOE to borrower and evidence of delivery to the borrower.<br>Reviewer Comment (2022-10-13): Received corrected Note, DOT + Riders. Pending receipt of LOE to borrower, evidence of delivery to borrower and Lender's letter of intent to re-record. | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778524 | xxxxxx | 26944692 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 77.89474% exceeds Guideline loan to value percentage of 70.00000%. | Max for First Time Investor utilizing short term rents. Borrower has not owned an investment property for 12+ months or greater within the past 36 months and 1007 reflects STR. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-28): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-10-14): The max is not 80% as borrower is a First Time Investor. Per the 9/2022 matrix, max for First Time Investor is 75% and per the 8/2022 guidelines, 5% being deducted for use of short term rental income for DSCR qualification. |  |  | 10/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778389 | xxxxxx | 26931562 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  | Reviewer Comment (2022-10-14): CPL provivded | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778812 | xxxxxx | 26937760 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxxx project exposure and Single entity ownership allowed up to 20% of the project. The borrower is buying both units in the complex. |  | Reviewer Comment (2022-10-14): Per investor email, For xxxxxx projects, we follow xxxxxx, a project review isn't required, and the other project restrictions wouldn't apply.<br> To avoid this happening in the future, I made a note to add a bullet in the next update, under the 2-4 criteria, that other restrictions don't apply.<br>Reviewer Comment (2022-10-13): The condition is not asking for an HOA questionnaire, however xxxxxx exposure and Single entity ownership allowed up to 20% of the project. The borrower is buying both units in the complex. Investor exception will be required. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777715 | xxxxxx | 26936487 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal address does not match the Note. |  | Reviewer Comment (2022-10-13): Updated appraisal provided | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777715 | xxxxxx | 26944993 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | Borrower: xxxxxx % of Business Ownership: 90.00% | Investor exception in file | 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. | Reviewer Comment (2022-10-10): Client elects to waive with verified compensation factors |  |  | 10/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778582 | xxxxxx | 26937214 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-10-14): Received background report. Exception cleared.<br>Reviewer Comment (2022-10-13): We do not have the background report in file. Please provide. | 10/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 778582 | xxxxxx | 26937238 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Executed Term Sheet |  | Reviewer Comment (2022-10-13): Executed Term sheet provided | 10/13/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 778582 | xxxxxx | 26937248 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance address does not match Note address |  | Reviewer Comment (2022-10-13): Updated dec page provided. Contains 42 | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 778582 | xxxxxx | 26937249 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate Subject Address does not match Note address. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Assessor Parcel Number confirmed | Reviewer Comment (2022-10-21): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed<br>Reviewer Comment (2022-10-19): Lender would like to waive<br>Reviewer Comment (2022-10-18): All addresses must match on all documents. |  |  | 10/21/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 778582 | xxxxxx | 26950581 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Wire Ticket to Settlement Agent. |  | Reviewer Comment (2022-10-13): Wire Ticket provided | 10/13/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 778582 | xxxxxx | 26950584 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the Borrower Credit and Background Authorization. |  | Reviewer Comment (2022-10-13): Completed authorization provided | 10/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 778970 | xxxxxx | 26945861 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2022-10-24): Guaranty provided | 10/24/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 778970 | xxxxxx | 26950748 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-17): Clearance LOE and docs provided<br>Reviewer Comment (2022-11-09): The document provided does not address the SSN issue, occupancy issue, sam.gov issues.<br>Reviewer Comment (2022-11-07): No new documents were provided. Please try uploading again.<br>Reviewer Comment (2022-10-24): Provide a clearance LOE for the file or clearance report. Comments in xxxxxx are not acceptable. | 11/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 778969 | xxxxxx | 26944258 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-28): Received<br>Reviewer Comment (2022-10-24): Please provide the clearance report or clearance LOE for the file. Comments made on exception are not acceptable. | 10/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778969 | xxxxxx | 26944301 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.28 is less than Guideline PITIA months reserves of 3.00. | xxxxxx loan amount requires 6 months reserves |  | Reviewer Comment (2022-10-25): Per guidelines, only 3 months of reserves are required.<br>Reviewer Comment (2022-10-25): Exception Explanation Updated from: Calculated PITIA months reserves of 4.28 is less than Guideline PITIA months reserves of 6.00.<br>Reviewer Comment (2022-10-24): Taken from the 4.3 MTCM guidelines: $500K < Loan Amount <= $1mm requires 6 months | 10/25/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778969 | xxxxxx | 26950860 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The Blanket HOI does not reflect the subject property address. |  | Reviewer Comment (2022-11-09): Updated blanket policy provided | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 777122 | xxxxxx | 26946236 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of xxxxxx. | Lender and Investor Exceptions in file | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-12): Client elects to waive with verified compensation factors |  |  | 10/12/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777122 | xxxxxx | 26957081 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Leases are transferring. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-14): The lease agreement is required per guidelines on a purchase. See page 107 of the Lender's Guidelines 4.2022 which states Existing Lease Agreement required if applicable and also regarding transferred leases. |  |  | 10/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776974 | xxxxxx | 26949435 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-10-18): CDA provided | 10/18/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 776974 | xxxxxx | 26957782 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The seller line is not completed on the Business Purpose Cert. The Lender's name should go here. |  | Reviewer Comment (2022-10-19): Updated BP cert provided | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 777431 | xxxxxx | 26976084 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The Final Settlement Statement provided is not signed/stamped certified by the title agent. |  | Reviewer Comment (2022-10-19): Final stamped SS provided | 10/19/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 777431 | xxxxxx | 26976105 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. There is a lien on title for $2,393, however the payoff on the Final Settlement Statement is for a lesser amount. |  | Reviewer Comment (2022-10-18): Payoff provided | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 778157 | xxxxxx | 26949130 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $126,288.43 is less than Cash From Borrower $178,025.68. | Per the escrow letter, checks are being held for the EMD totaling $65,000. Backed out $15,000 from xxxxxx account as check was not yet cancelled. The $50,000 EMD was not sourced. Further, borrower also received the gift funds of $14,000 into their xxxxxx account, which were also backed out. |  | Reviewer Comment (2022-10-18): Source of 50K deposit provided along with evidence $15K was cashed. Borrower has sufficient funds to close | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778157 | xxxxxx | 26949143 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.65 is less than Guideline PITIA months reserves of 4.00. | Per the escrow letter, checks are being held for the EMD totaling $65,000. Backed out $15,000 from xxxxxx account as check was not yet cancelled. The $50,000 EMD was not sourced. Further, borrower also received the gift funds of $14,000 into their xxxxxx account, which were also backed out. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-10-31): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-27): The same account statement as in the file was provided. No additional accounts were found.<br>Reviewer Comment (2022-10-25): The gift funds were already accounted for which is why it was backed out of the bank statement. No additional assets were provided.<br>Reviewer Comment (2022-10-18): Source of $50K provided for EMD along with evidence $15K EMD cashed, however borrower is still short reserves. Minimum required is 4 and borrower has 2.65 now. The borrower received the gift funds into their account, therefore these were backed out as to not double count or include in reserves. The 1008 states only 2 months reserves required, however based on the 7.2022 Lender Guidelines, 4 months are required.<br>Reviewer Comment (2022-10-18): Exception Explanation Updated from: Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 4.00. |  |  | 10/31/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778157 | xxxxxx | 26949209 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2022-10-18): HOI provided | 10/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778157 | xxxxxx | 26976391 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The title policy reflects 1x in the address vs. all other documents which do not. |  | Reviewer Comment (2022-10-27): The corrected title and CPL were provided.<br>Reviewer Comment (2022-10-18): All the tile documents provided still reflect 1x, including the CPL | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778157 | xxxxxx | 26976402 | xxxxxx | xxxxxx | 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%. | DSCR < 1.00, max for transaction is 70%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-10-31): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-18): Lender would like to waive |  |  | 10/31/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779147 | xxxxxx | 26954478 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provided the Executed Term Sheet |  | Reviewer Comment (2022-10-17): Executed Term Sheet provided | 10/17/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 779147 | xxxxxx | 26954479 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Wire Ticket to Settlement Agent |  | Reviewer Comment (2022-10-17): Wire Ticket provided | 10/17/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 778020 | xxxxxx | 26948719 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx ; Disbursement date: xxxxxx ; Note date: xxxxxx ; Transaction date: xxxxxx | Dry State: Effective date of HOI is after disbursement date |  | Reviewer Comment (2022-10-24): Final SS provided. Disbursement date xxxxxx | 10/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778487 | xxxxxx | 26976316 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase agreement provided is not executed by the Sellers. Please provide fully executed purchase agreement by all parties. |  | Reviewer Comment (2022-11-30): Additional documents provided<br>Reviewer Comment (2022-11-14): The Lead Based Disclosure and As-Is Condition Addendum was not executed by the seller.<br>Reviewer Comment (2022-11-10): All pages are not initialed by the seller at the bottom of each page as well as all addendums are not signed by the seller. | 11/30/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 779282 | xxxxxx | 26979367 | xxxxxx | xxxxxx | 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%. | DSCR > 1.00, FICO 660+, R/T max 70%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-18): Investor must approve any exceptions. Lender would like to waive |  |  | 10/24/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 776745 | xxxxxx | 26979391 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of xxxxxx. | Investor exception in file. DSCR < 1.50 requires a xxxxxx loan amount. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-14): Client elects to waive with verified compensation factors |  |  | 10/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776745 | xxxxxx | 26979412 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The unit number is missing |  | Reviewer Comment (2022-10-21): Updated flood cert provided<br>Reviewer Comment (2022-10-18): The flood cert provided is not for the subject property | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776745 | xxxxxx | 26979416 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Investor exception in file. FTI not allowed on Cash Out. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-14): Client elects to waive with verified compensation factors |  |  | 10/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776745 | xxxxxx | 26984543 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The POA does not reflect an expiration date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-27): Client elects to waive.<br>Reviewer Comment (2022-10-18): The attached does not clear this condition. Specific POA's can designate an end date as well as this is a guideline requirement. |  |  | 10/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778068 | xxxxxx | 26977080 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-10-31): Fraudplus report provided<br>Reviewer Comment (2022-10-26): Unable to locate Loan Safe Report. Please reload through the Portal. | 10/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778068 | xxxxxx | 26977388 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx, Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-26): Received in trailing documents. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778068 | xxxxxx | 26977449 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-17): PDI received dated xxxxxx : No Damage |  |  | 10/17/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778068 | xxxxxx | 26987236 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Provide a copy of the borrowers' unexpired VISA. |  | Reviewer Comment (2022-10-26): Received in trailing documents. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778068 | xxxxxx | 26987258 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | The credit reports provided only reflects 1 tradeline open for 3 months. Foreign National Borrowers require (2) open tradelines reporting for two (2) years with activity in the most recent 12 months. No derogatory credit history is permitted within the 2-year history under review. ANY combination of the following is acceptable to arrive at the tradeline requirement:<br> o Tradelines evidenced via a U.S. credit report; AND/OR<br> o Alternative Tradelines consisting of two of the following:<br> ▪ Credit Reference letter(s) from a verified financial institutions in the borrower's country of origin<br> ▫ A reference letter must be from an internationally known financial institution.<br> ▫ Each letter of reference must state the type and length of the relationship, how the account is held, payment amount, outstanding balance and status of account including a minimum 12-month payment history.<br> ▫ A single reference source may provide verification of multiple accounts. Individual account detail must be provided.<br> ▫ The letter must mention the borrower by name.<br> ▫ Name, title & contact information of the person signing the letter must be included.<br> ▫ Currency must be converted to xxxxxx and signed and dated by certified translator.<br> ▫ All documents must be translated into English.<br> ▪ Credit Card Statements – minimum of twelve (12) recent credit card statements reflecting a timely payment history. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-11-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-31): The reference letter for xxxxxx with accounts #0513 & #6583 was not translated to English which is a guidelines requirement. Further, the reference letter is only for xxxxx. Both borrowers require 2 tradelines open/active for 24 months and activity within the past 12 months. 1 credit reference letter was provided for xxxxxx and xxxxxx open/active for 24 months and translated to English.<br>Reviewer Comment (2022-10-27): The same credit report with one tradeline was provided. |  |  | 11/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778068 | xxxxxx | 26987260 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower to provide a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement. |  | Reviewer Comment (2022-11-11): Updated 1003 with correct primary address provided. Matches utility bill now.<br>Reviewer Comment (2022-11-08): The same document was provided that was in file at time of review. The HOI does not clear this condition as the lender can have whatever address added to this document for mailing. Per the guidelines this must be verified via a utility bill, financial document, or lease.<br>Reviewer Comment (2022-10-31): The address on the Utility Bill does not match the address on the 1003 for the primary. Utility Bill reflects xxxxxx and xxxxxx. | 11/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778068 | xxxxxx | 26987273 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City on HOI does not match the Note. |  | Reviewer Comment (2022-11-28): Updated HOI provided | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778664 | xxxxxx | 26978224 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | There are red flags on the fraud report that are yet to be addressed. |  | Reviewer Comment (2022-10-19): Clearance report provided | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 778664 | xxxxxx | 26978247 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: xxxxxx // Account Type: 401(k)/403(b) Account / Account Number: xxxxxxxx |  |  | Reviewer Comment (2022-10-19): Updated statement provided | 10/19/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 778664 | xxxxxx | 26987657 | xxxxxx | xxxxxx | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal and 1007 in file is cut off at the bottom of each page as well as the appraisal is in xxxxxx vs. color. |  | Reviewer Comment (2022-10-19): Complete and color documents provided | 10/19/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 777832 | xxxxxx | 26985265 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  | Reviewer Comment (2022-10-21): Lease agreement provided | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 779069 | xxxxxx | 26988384 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | 1007 was not provided for secondary appraisal. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-10-28): Waived with compensating factors per investor request. |  |  | 10/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779069 | xxxxxx | 27004081 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The VOM provided for the borrower's primary residence does not list any amounts due or terms. Further, the ledger provided in file is not acceptable for a payment history. This is a ledger created in an excel sheet. Proof of payments are required via bank statements or cancelled checks. |  | Reviewer Comment (2022-10-26): Housing history payment has been verified.<br>Reviewer Comment (2022-10-26): Received the same payment ledger. However, need bank statement or cancelled checks to verify the rents for borrowers primary residence. Exception remains. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779069 | xxxxxx | 27004131 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | First time homebuyers are not allowed on DSCR. Per the property profile report and fraud report, borrower owned 1 property in 2014, then deeded out of her name in 2015 due to foreclosure. The property was never deeded back to the borrower. Therefore, borrower is a FTHB not having any vested interest in a property in the past 36 months. |  | Reviewer Comment (2022-10-24): Property profile report provided reflects owners as of xxxxxx and then sold xxxxxx . Not a FTHB. | 10/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776889 | xxxxxx | 26989686 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  | Reviewer Comment (2022-10-21): CPL provided | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776889 | xxxxxx | 26989775 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-10-21): Approval provided | 10/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776889 | xxxxxx | 27004521 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Trust as insured. |  | Reviewer Comment (2022-10-27): HOI with the Trust as an additional insurer. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776889 | xxxxxx | 27004537 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects Owner Occupied. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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. | Reviewer Comment (2022-10-31): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-24): An investor exception will need to be granted. Per the appraiser, this property is an STR, that the borrower occupies when not in use which does not qualify for DSCR.<br>Reviewer Comment (2022-10-24): if the property is a Short Term Rental, then the tenancy needs to be updated to Vacant or Tenant Occupied.<br>Reviewer Comment (2022-10-21): The appraisal needs to reflect the correct occupancy. Provide the corrected appraisal. Pre-close findings have no bearing on post-close requirements. |  |  | 10/31/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778523 | xxxxxx | 27004388 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The Operating Agreement for the Borrowing Entity is not executed. |  | Reviewer Comment (2022-10-26): Executed Operating agreement received. Exception Cleared. | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 779706 | xxxxxx | 26987205 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | First Time Home Buyers are not allowed on DSCR. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779706 | xxxxxx | 26987277 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2022-11-16): Final SS provided | 11/16/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779706 | xxxxxx | 27264524 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The Final Settlement Statement provided post-review does not reflect escrows. The borrower does not have the sufficient reserve requirement of 12 months to meet the escrow waiver requirement. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779782 | xxxxxx | 26989411 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The borrower does not meet the minimum credit score requirement of 720 for an escrow waiver. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-28): Waived with compensating factors per investor request. |  |  | 10/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 779782 | xxxxxx | 27004341 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the liens paid through closing. |  | Reviewer Comment (2022-11-28): Statement provided with additional payment. Second lien, per title, is a mechanics lien with no payment required.<br>Reviewer Comment (2022-11-16): The statement provided only covers 6 months of history for the lien for $xxxxxx. If payments started on xxxxxx , then that payment needs to be provided as well. Further, the VOM was not provided for the second lien being paid through closing. | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 778486 | xxxxxx | 26998333 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  | Reviewer Comment (2022-11-01): Lease Agreement provided | 11/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778486 | xxxxxx | 26998341 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Provide the Perm Resident card. |  | Reviewer Comment (2022-10-26): Received Front & Back copy of the Perm Resident card, Exception Cleared | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778486 | xxxxxx | 26998366 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-10-26): Received Business Entity document , Exception Cleared | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778486 | xxxxxx | 26998455 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2022-10-26): Title Commitment received , Exception Cleared | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778486 | xxxxxx | 26998467 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-20): PDI received dated xxxxxx : No Damage |  |  | 10/20/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778486 | xxxxxx | 27009437 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. | 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>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-11-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-08): The document provided is a new application dated post close and not acceptable. Provide the updated pre-close policy reflecting the Entity as insured. |  |  | 11/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778486 | xxxxxx | 27009471 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Provide the PPP to the DOT. |  | Reviewer Comment (2022-10-26): Prepayment Rider Received , Exception Cleared | 10/26/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 776545 | xxxxxx | 26998518 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Investor Exception in file to waive 6 months of canceled checks for private VOR | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-20): Client elects to waive with verified compensation factors |  |  | 10/20/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776545 | xxxxxx | 27010125 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Assets Error: Usability was not provided |  | Page 1 and pages 19-21 of the xxxxxx printout for xxxxxx 22 are missing. Reflects 21 pages. |  | Reviewer Comment (2022-10-24): All pages provided | 10/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778357 | xxxxxx | 26993128 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2022-11-10): Final HUD provided | 11/10/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 778357 | xxxxxx | 27008508 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $76,996.02 is less than Cash From Borrower $88,745.06. |  |  | Reviewer Comment (2022-11-30): Deposit escrow and bank statement provided<br>Reviewer Comment (2022-11-29): The email does not clear this condition. Sufficient funds need to be provided for closing.<br>Reviewer Comment (2022-11-16): The document provided was already in file at time of review. The ending balance in the account on xxxxxx is $4,980.82. There is an $85K wire out but it does not show if it is for this transaction or not.<br>Reviewer Comment (2022-11-10): Exception Explanation Updated from: Documented qualifying Assets for Closing of $76,996.02 is less than Cash From Borrower $102,019.82. | 11/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 778357 | xxxxxx | 27008509 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary <br> State: xxxxxx |  |  | Reviewer Comment (2022-11-10): Supplement provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 779704 | xxxxxx | 26998239 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-24): Addendum provided to appraisal dated xxxxxx : No Damage |  |  | 10/24/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779704 | xxxxxx | 27007800 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the completed Borrower Background and Credit Authorization Form. |  | Reviewer Comment (2022-10-24): Document was provided | 10/24/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 767992 | xxxxxx | 27010001 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The 1003 does not reflect the borrower's citizenship. |  | Reviewer Comment (2022-11-01): Updated 1003 provided | 11/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | A |  | N/A | No |
| xxxxxx | 779004 | xxxxxx | 27004305 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | Gift funds received into borrower's account already backed out and cannot be utilized for reserves. |  | Reviewer Comment (2022-11-03): Additional statement provided for 4565. Borrower has sufficient reserves/closing funds.<br>Reviewer Comment (2022-11-01): The updated bank statement provided was accounted for. Gift funds cannot be utilized for reserves, therefore backed out as received into account #4565. Borrower is still short reserves/funds to close.<br>Reviewer Comment (2022-10-28): Per the LOE from the seller, xxxxxx has $242,336.64; however, the most recent statement provided which is dated xxxxxx reflects an ending balance of $14,958.03. Funds were transferred from this account to account 4565 prior to the EMD being accounted for. Condition remains. | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 779004 | xxxxxx | 27004307 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $444,828.86 is less than Cash From Borrower $474,416.04. | Gift funds were received into borrower's account that transferred the EMD of $347,500. Backed out. |  | Reviewer Comment (2022-11-03): Additional statement provided for 4565. Borrower has sufficient reserves/closing funds.<br>Reviewer Comment (2022-11-01): The updated bank statement provided was accounted for. Gift funds cannot be utilized for reserves, therefore backed out as received into account #4565. Borrower is still short reserves/funds to close.<br>Reviewer Comment (2022-11-01): Exception Explanation Updated from: Documented qualifying Assets for Closing of $422,634.41 is less than Cash From Borrower $474,416.04.<br>Reviewer Comment (2022-10-28): Per the LOE from the seller, xxxxxx has $242,336.64; however, the most recent statement provided which is dated xxxxxx reflects an ending balance of $14,958.03. Funds were transferred from this account to account 4565 prior to the EMD being accounted for. Condition remains. | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 779004 | xxxxxx | 27018511 | xxxxxx | xxxxxx | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Per guidelines, provide the color appraisal. Appraisal in file is xxxxxx. |  | Reviewer Comment (2022-10-27): Received in trailing documents. | 10/27/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 779469 | xxxxxx | 27017092 | xxxxxx | xxxxxx | 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%. | DSCR < 1.00, FICO 700+, Loan amount xxxxxx, purchase transaction; Max LTV 70% | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-27): Client elects to waive.<br>Reviewer Comment (2022-10-26): Loan reviewed to July 2022 guidelines per investor. Exception remains open. |  |  | 10/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777937 | xxxxxx | 27010983 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The final Closing Disclosure or HUD-1 is required to document fees, escrow and cash-back to borrower. |  | Reviewer Comment (2022-10-27): Final Closing Statement received , Exception Cleared | 10/27/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 778265 | xxxxxx | 27040099 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | A property is considered rural if the following exist:<br> - The property is located xxxxxx.<br> - Two of the three comparable properties are more than xxxxxx from the subject property. | 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. | Reviewer Comment (2022-10-28): Waived with compensating factors per investor request. |  |  | 10/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778265 | xxxxxx | 27040100 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Acreage exceeds xxxxxx max per guidelines. | 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. | Reviewer Comment (2022-10-24): Client elects to waive with verified compensation factors |  |  | 10/24/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778265 | xxxxxx | 27040135 | xxxxxx | xxxxxx | 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%. | DSCR < 1.00, max for program is 70%. | 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. | Reviewer Comment (2022-10-28): Waived with compensating factors per investor request. |  |  | 10/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778973 | xxxxxx | 27009813 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | The appraisal report reflects the subject property is located in a rural area. The guidelines do not allow rural properties. | 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.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-31): The lender would like to waive |  |  | 11/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778385 | xxxxxx | 27011250 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  | Required for Acct #2862 |  | Reviewer Comment (2022-11-22): The Trust Agreement was provided. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778385 | xxxxxx | 27011449 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | Flood Insurance Coverage Amount is insufficient. |  | Reviewer Comment (2022-11-08): Updated flood insurance provided reflecting RCE of $206K which matches coverage.<br>Reviewer Comment (2022-11-07): The flood policy provided still only reflects $206K in coverage which is insufficient. Ordinance or law coverage applies to the dwelling vs. flood insurance. If should be further noted that the flood policy reflects replacement cost of $237,042.<br>Reviewer Comment (2022-11-01): Ordinance or law coverage applies to the dwelling vs. flood insurance.<br>Reviewer Comment (2022-11-01): Ordinance or law coverage would only apply to the dwelling coverage vs. flood insurance coverage.<br>Reviewer Comment (2022-10-28): Flood policy provided does not indicate there is an additional 25% of coverage. Ordinance and law coverage reflects 25%; however, this cannot be used to meet the minimum coverage requirement of $250,000. Please provide evidence of an additional 25% of dwelling coverage or increased coverage to clear condition. | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778385 | xxxxxx | 27040650 | xxxxxx | xxxxxx | 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%. | 1007 reflects STR. Per guidelines, A 5% LTV reduction applies to all transactions using short term rental income | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-15): Client elects to waive with verified compensation factors |  |  | 11/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779722 | xxxxxx | 27037075 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Subject Address on the Flood Cert does not match Note address |  | Reviewer Comment (2022-10-27): Flood Cert sub address matches note address. Exception Cleared. | 10/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 779724 | xxxxxx | 27037463 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Final, signed HUD-1 missing from file |  | Reviewer Comment (2022-10-28): Received | 10/28/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779724 | xxxxxx | 27040107 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  | Not provided on Dec Page | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-10-31): Client elects to waive<br>Reviewer Comment (2022-10-28): Condition is in reference to the blanket project policy provided. There are no policy numbers indicated on the blanket project policy. |  |  | 10/31/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 778585 | xxxxxx | 27032645 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal completed by xxxxxx reflects city as xxxxxx. |  | Reviewer Comment (2022-11-01): Corrected appraisal received<br>Reviewer Comment (2022-10-31): Unfortunately, it does not matter which appraisal was utilized to qualify. 2 appraisals were required due to a flip transaction, therefore both must reflect the correct information. | 11/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | C A |  | N/A | No |
| xxxxxx | 778585 | xxxxxx | 27032648 | xxxxxx | xxxxxx | 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: xxxxxx | Appraisal was completed subject to finish of small section of xxxxxx completion Form 442 was not provided in file. |  | Reviewer Comment (2022-10-31): 442 provided | 10/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | C A |  | N/A | No |
| xxxxxx | 778585 | xxxxxx | 27040720 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  |  |  | Reviewer Comment (2022-10-31): Wires provided | 10/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | C A |  | N/A | No |
| xxxxxx | 778585 | xxxxxx | 27040806 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-31): Cleared fraud report provided | 10/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | C A |  | N/A | No |
| xxxxxx | 775087 | xxxxxx | 27035012 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $19,642.00 is less than Cash From Borrower $86,995.39. |  |  | Reviewer Comment (2022-11-07): HUD from refinance provided | 11/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C A |  | N/A | No |
| xxxxxx | 775087 | xxxxxx | 27035165 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-07): Cleared report provided | 11/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C A |  | N/A | No |
| xxxxxx | 775087 | xxxxxx | 27035166 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. |  |  | Reviewer Comment (2022-11-07): HUD from refinance provided | 11/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C A |  | N/A | No |
| xxxxxx | 775087 | xxxxxx | 27040917 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception in file for Rural Property | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-10-24): Client elects to waive with verified compensation factors |  |  | 10/24/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C A |  | N/A | No |
| xxxxxx | 775087 | xxxxxx | 27040944 | xxxxxx | xxxxxx | 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: xxxxxx | Only recert of value was provided. |  | Reviewer Comment (2022-10-31): 442 provided | 10/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C A |  | N/A | No |
| xxxxxx | 778509 | xxxxxx | 27040305 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-10-28): Approval received , Exception Cleared | 10/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 778509 | xxxxxx | 27040328 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file is missing the condo master insurance policy. |  | Reviewer Comment (2022-11-03): Blanket policy provided with address<br>Reviewer Comment (2022-11-02): The association name alone is not sufficient. An HOA association can management many complexes. The address for the subject property must be listed on the Blanket Policy.<br>Reviewer Comment (2022-11-01): The policy provided does not reflect the subject property address<br>Reviewer Comment (2022-10-28): Received Duplicate HO6 policy , Please provide Condo Master Policy , Exception Remains | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 778509 | xxxxxx | 27040411 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-11-01): FTP provided | 11/01/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 778509 | xxxxxx | 27040414 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-11-01): FTP provided | 11/01/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 778509 | xxxxxx | 27040415 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-10-28): CDA received, Exception Cleared | 10/28/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | D A |  | N/A | No |
| xxxxxx | 779178 | xxxxxx | 27017728 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | File is missing evidence of borrower's ownership percentage of the business reflected on the xxxxxx checking accounts xxxxxx and xxxxxx. |  | Reviewer Comment (2022-11-10): CPA letter provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779178 | xxxxxx | 27017754 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per final 1003, borrower rents current residence, with a payment of $5,400 per month; however, verification of rent was not provided. |  | Reviewer Comment (2022-10-28): Received | 10/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779178 | xxxxxx | 27017827 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Reviewer Comment (2022-10-28): PDI provided, dated xxxxxx , reflecting no damage to property. |  |  | 10/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779198 | xxxxxx | 27040231 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Missing title final. |  | Reviewer Comment (2022-10-31): FTP provided | 10/31/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 779198 | xxxxxx | 27040239 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide twelve months housing history for the borrower's current primary residence, only three months history was provided in file. |  | Reviewer Comment (2022-10-31): Current and previous history provided | 10/31/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 779198 | xxxxxx | 27040257 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Reviewer Comment (2022-10-31): FTP provided | 10/31/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 779198 | xxxxxx | 27040271 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The hazard insurance address does not match the note address. |  | Reviewer Comment (2022-10-28): Address matches with the note. Removed xxxxxx from city as it is county. Exception Cleared. | 10/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778868 | xxxxxx | 27040384 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is required to verify borrower's ownership of Entity shown on xxxxxx account #4609. There is a letter from xxxxxx verifying that borrower is an authorized signatory; however, it does not specify or verify ownership of the business. |  | Reviewer Comment (2022-11-08): CPA letter provided, however there was a corp res in the file that reflected borrower as the only owner as well. | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778031 | xxxxxx | 27041177 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The appraisal does not show the property is Tenant Occupied or Vacant. |  | The appraisal reflect the subject property is owner occupied and a lease agreement to verify the accuracy is also not provided in file. |  | Reviewer Comment (2022-11-22): An updated appraisal was received reflecting tenant occupied.<br>Reviewer Comment (2022-11-11): The LOE is not acceptable. The appraisal must be updated to reflect Tenant or Vacant based on STR. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778983 | xxxxxx | 27040798 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx , Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-22): Per guidelines, an ACH is not required. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 779208 | xxxxxx | 27122622 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2022-11-03): Update HOI provided | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778266 | xxxxxx | 27045438 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The appraisal report reflects both units of the subject property is rented; however, the file does not contain the lease agreements. |  | Reviewer Comment (2022-11-02): Leases provided | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 778266 | xxxxxx | 27045446 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | The Desk Review reflects the subject xxxxxx as xxxxxx; however, the Note reflects the xxxxxx as xxxxxx. |  | Reviewer Comment (2022-11-03): Corrected ARR provided | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | A |  | N/A | No |
| xxxxxx | 779022 | xxxxxx | 27124470 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx , Valuation Type: AVM / Valuation Report date: xxxxxx | Both the appraisal and AVM reflect a Unit Number. |  | Reviewer Comment (2022-12-07): Correction affidavit provided. Should contain unit number.<br>Reviewer Comment (2022-11-08): The flood cert does not clear this condition. The condition is stating the appraisal and AVM reflect a unit number vs. all other documents which do not. However, the new flood cert provided is also incorrect now as it reflects unit number. | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 779022 | xxxxxx | 27126400 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The title policy does not reflect xxxxxx in the address as well as reflects a unit number. |  | Reviewer Comment (2022-12-07): Correction affidavit to mortgage provided. See new condition.<br>Reviewer Comment (2022-11-22): If the address with the unit number is the correct address, we will need a corrected Note and Security Instrument, along with all riders, signed by Borrower, with LOE, proof of delivery, and notice of intent to re-record the documents, as none of these documents reflect a unit number.<br>Reviewer Comment (2022-11-08): The address on the title is still incorrect. The address should be, per other documents in file, xxxxxx. The address on the title is xxxxxx. | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 779022 | xxxxxx | 27126423 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | All red flags were not addressed |  | Reviewer Comment (2022-11-03): Cleared report provided | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 779022 | xxxxxx | 27455598 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Correction Affidavit to mortgage provided to reflect xxxxxx. Provide the corrected Note, HO6 policy, LOE to borrower, and evidence of delivery to the borrower. |  | Reviewer Comment (2022-12-16): Updated HO6 provided<br>Reviewer Comment (2022-12-16): LOE received. Pending receipt of corrected HO6.<br>Reviewer Comment (2022-12-14): The updated Note, all pages provided along with mailing label that reflects in transit. Pending receipt of the LOE to borrower and corrected HO6 policy.<br>Reviewer Comment (2022-12-13): The full Note will need to be provided, along with the corrected HO6 policy as well, an LOE to the borrower and evidence of delivery to the borrower. | 12/16/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 779709 | xxxxxx | 27127694 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Incomplete Purchase Agreement in file. Please provide complete, signed Purchase Contract. |  | Reviewer Comment (2022-11-22): A signed PC with the closing extended to xxxxxx was provided.<br>Reviewer Comment (2022-11-16): Provide the ext to the sales contract executed by all parties extending through closing. PC provided reflects closing should have occurred 9/23<br>Reviewer Comment (2022-11-09): Only 7 pages of the purchase contract was provided. Provide the complete and executed purchase contract. | 11/22/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779709 | xxxxxx | 27127715 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.81 is less than Guideline PITIA months reserves of 6.00. |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-15): Client elects to waive with verified compensation factors |  |  | 11/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779823 | xxxxxx | 27122496 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-31): PDI received dated xxxxxx : No Damage |  |  | 10/31/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779823 | xxxxxx | 27125356 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2022-11-09): Updated HOI provided | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780463 | xxxxxx | 27136087 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | Any VOR completed by a private party or any non-institutional landlord must be supported by alternative documentation showing the most recent 6-month history<br> (cancelled checks, rental statements including payment history, etc.). | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-17): The UW explanation is not acceptable. This guideline refers to if the borrower does not have a 12 month history, which they do via the VOR's. Cancelled checks for private party VOR's are a separate requirement and do not fall under this. Further, the guidelines uploaded again are not the version provided to us by the investor. We were provided lender's guidelines 7.2022 v.1.6. |  |  | 11/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780463 | xxxxxx | 27136093 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Both VOR's in file do no have the landlord information completed |  | Reviewer Comment (2022-11-17): Updated VOR's provided | 11/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780463 | xxxxxx | 27136121 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | The HOI reflects Rent Loss included but does not specify how much. 6 months is required per guidelines. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-08): DD was provided the 7.2022 Lender's guidelines v1.6 to review to from the investor and must be utilized. Per section 11, page 22, 6 months rent loss is required. |  |  | 11/17/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778488 | xxxxxx | 27126548 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-11-02): COGS provided | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778488 | xxxxxx | 27126667 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Evidence of title is missing |  | Reviewer Comment (2022-11-02): Title provided | 11/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778488 | xxxxxx | 27126674 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-11-01): PDI received dated xxxxxx : No Damage |  |  | 11/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778488 | xxxxxx | 27126678 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The borrower does not meet the minimum credit score requirement of 720 for an escrow waiver. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-11-03): Client elects to waive with verified compensation factors |  |  | 11/03/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779473 | xxxxxx | 27127782 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  | Reviewer Comment (2022-11-04): PC provided | 11/04/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 779473 | xxxxxx | 27127818 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-04): Fraud Report provided | 11/04/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 778944 | xxxxxx | 27132963 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-11-03): COGS provided | 11/03/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778944 | xxxxxx | 27132974 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-11-08): FTP provided | 11/08/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778944 | xxxxxx | 27133025 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-11-04): FTP provided | 11/04/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778944 | xxxxxx | 27133404 | xxxxxx | xxxxxx | 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%. | DSCR < 1.00, FICO 660+, loan amount xxxxxx, max LTV 70% on a purchase transaction. |  | Reviewer Comment (2022-11-08): Client requested re-review to lender's updated guidelines. Condition no longer applies.<br>Reviewer Comment (2022-11-08): DD was provided the 8.2022 lender's matrix to review this loan to. If the investor requires a re-underwrite to a new matrix, the investor will need to provide this matrix and inform them of the re-underwrite. | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | A |  | N/A | No |
| xxxxxx | 778568 | xxxxxx | 27135761 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $80,960.90 is less than Cash From Borrower $81,192.41. | EMD transferred after last statement date for account #9111. Backed out. If EMD came from a different account, please provide the source documents. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-03): Please provide the statement the EMD came from reflecting cleared and belonging to the borrower. |  |  | 11/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778568 | xxxxxx | 27135921 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 74.80000% exceeds Guideline loan to value percentage of 70.00000%. | DSCR < 1.00, FICO 660+, loan amount xxxxxx, max LTV is 70% on a purchase transaction. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-05): The same comments were provided that were previously rejected. See comments from xxxxxx The last matrix provided to the xxxxxx firm was dated xxxxxx by the investor which must be utilized for the review. If a re-review is required, the investor will need to provide us with the new matrices and guidelines and the loan file re-underwritten.<br>Reviewer Comment (2022-11-03): The last matrix provided to the xxxxxx firm was dated xxxxxx by the investor which must be utilized for the review. If a re-review is required, the investor will need to provide us with the new matrices and guidelines and the loan file re-underwritten. |  |  | 11/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778568 | xxxxxx | 27135922 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | EMD transferred after last statement date for account #9111. Backed out. If EMD came from a different account, please provide the source documents. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-03): Please provide the statement the EMD came from reflecting cleared and belonging to the borrower. |  |  | 11/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 777822 | xxxxxx | 27139522 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | City does not match the Note. |  | Reviewer Comment (2022-11-10): Updated ARR provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 777822 | xxxxxx | 27151557 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception in file, however comp factors are incorrect. LTV is not 5% or more above the minimum. Max LTV is 75% and borrower is at 71.66%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-08): The same exception form was provided that was in file at time of review. Comp factors are incorrect. LTV is not 5% or more above the minimum. Max LTV is 75% and borrower is at 71.66%. |  |  | 11/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 777822 | xxxxxx | 27151657 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2022-11-17): Guarantor Agreement provided. See new condition.<br>Reviewer Comment (2022-11-09): The statement of repayment is not the Guaranty Agreement. Please review the investor's guidelines for an example of the document. Further, the document would need to be executed prior to closing.<br>Reviewer Comment (2022-11-08): The LOE from the lender is not acceptable. This is a guideline requirement. | 11/17/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 777822 | xxxxxx | 27151662 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-09): The guidelines require the actual Articles or Org. Evidence of filed is not acceptable.<br>Reviewer Comment (2022-11-08): Same comments were provided that were previously rejected. See comments from xxxxxx The Operating Agreement alone is not acceptable. Per the guidelines, the Articles of Org are required for an LLC.<br>Reviewer Comment (2022-11-08): The Operating Agreement alone is not acceptable. Per the guidelines, the Articles of Org are required for an LLC. |  |  | 11/10/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 777822 | xxxxxx | 27151695 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | No evidence of ownership in any property within the past 36 months. |  | Reviewer Comment (2022-11-09): Property profile report reflecting vested ownership in the primary residence along with 7 months bank statements reflecting making the mortgage payments. DOT also provided. Note and Mortgage statement provided showing non-borrowing spouse is the only obligator to the loan.<br>Reviewer Comment (2022-11-08): Only 7 months of payments were provided via bank statements and the mortgage statement reflects a non-borrowing owner. Provide the property profile report reflecting borrower is vested title owner of the residence as well as an additional 5 months of payment history for a full 12 months. | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 777822 | xxxxxx | 27281622 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Guarantor Agreement provided is signed post-closing. Per guidelines, the Guarantor Agreement must be signed at closing. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-17): Client elects to waive with verified compensation factors |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 780333 | xxxxxx | 27137854 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-11-28): Supplement provided | 11/28/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 780333 | xxxxxx | 27150724 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated only in file |  | Reviewer Comment (2022-11-17): Final SS provided | 11/17/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 780333 | xxxxxx | 27150794 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject. |  | The Declaration of Non-Owner Occupancy cert, number 3, reflects the borrower's primary address is the subject property. |  | Reviewer Comment (2022-12-09): Corrected occupancy cert provided<br>Reviewer Comment (2022-11-28): The condition does not pertain to the 1003 but Occupancy Cert | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | A |  | N/A | No |
| xxxxxx | 778980 | xxxxxx | 27137934 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement missing from file | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778980 | xxxxxx | 27137937 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | CPL not provided in file |  | Reviewer Comment (2022-11-07): CPL provided | 11/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778980 | xxxxxx | 27146917 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003 reflecting No primary housing expense as per the Fraud Report borrower has now ownership in primary residence. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-30): Client elects to waive with valid comp factors<br>Reviewer Comment (2022-11-29): The 1003 provided in trailing documents still reflects primary is owned. |  |  | 11/30/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780093 | xxxxxx | 27140056 | xxxxxx | xxxxxx | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-08): Consent provided | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | A |  | N/A | No |
| xxxxxx | 780093 | xxxxxx | 27158582 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-11-08): COGS provided | 11/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | A |  | N/A | No |
| xxxxxx | 778819 | xxxxxx | 27141313 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-11-03): Disaster Inspection Report provided xxxxxx : No Damage |  |  | 11/03/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778819 | xxxxxx | 27141516 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx , Disbursement date: xxxxxx | xxxxxx: Effective date is after consummation date. |  | Reviewer Comment (2022-11-07): Updated HOI provided | 11/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778819 | xxxxxx | 27141783 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.98429% exceeds Guideline loan to value percentage of 70.00000%. | DSCR < 1.00, FICO 700+, loan amount xxxxxx, max LTV 70%. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-07): The investor provided us with the 8.2022 matrix which must be utilized for this review. If there is another matrix that should have been utilized, the investor will need to provided this and request a re-underwrite of the file. |  |  | 11/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780174 | xxxxxx | 27143733 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Final, signed Closing Statement/HUD-1/CD not provided in file. |  | Reviewer Comment (2022-11-08): Final SS provided | 11/08/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 780174 | xxxxxx | 27191488 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Final SS provided post review showing a deposit made from xxxxxx. Provide evidence this is the trust as well as the trust agreement for use of asset funds. |  | Reviewer Comment (2022-11-17): Trust Agreement provided. Shows withdrawal on bank statements from the trust account for the deposit.<br>Reviewer Comment (2022-11-17): The Trust Agreement was provided but makes no mention of xxxxxx.<br>Reviewer Comment (2022-11-11): The same bank statements were provided that were in file at time of review. The Trust Agreement needs to be provided for asset usage. | 11/17/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | A |  | N/A | No |
| xxxxxx | 777877 | xxxxxx | 27147021 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | 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.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-07): Client elects to waive |  |  | 01/20/2023 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B |  | A |  | N/A | No |
| xxxxxx | 777877 | xxxxxx | 27232527 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx | The DI provide is dated prior to the FEMA disaster end date of xxxxxx | 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.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-16): The LOE form the UW is not sufficient. For securitization purposes, when FEMA declares a disaster end date (which for xxxxxx is xxxxxx) the DI report must be dated after the end date. If not, the investor can elect to waive to an EV2 with current DI.<br>Reviewer Comment (2022-11-14): The same DI report was provided that was previously in file. The DI provide is dated prior to the FEMA disaster end date of xxxxxx |  |  | 11/18/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B |  | A |  | N/A | No |
| xxxxxx | 780202 | xxxxxx | 27160467 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | HOA Questionnaire not provided in file |  | Reviewer Comment (2022-11-11): HOA questionnaire provided | 11/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780202 | xxxxxx | 27160645 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-07): Client elects to waive |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780202 | xxxxxx | 27160678 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 640 is less than Guideline representative FICO score of 660. | DSCR < 1.00, purchase transaction, minimum FICO is 660 with a max LTV of 70%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-29): Investor exception to allow the use of projected STR income to qualify DSCR. See new condition waived.<br>Reviewer Comment (2022-11-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-28): Condition is not requiring a 1007., The projected rents do not meet the guideline requirements. xxxxxx Reutilizer and Overview reports must meet the following requirements:<br> ▪ Reutilizer<br> ▫ Only allowed for purchase transaction<br> ▫ Forecast Period must cover 12 months from the Note date<br> ▫ The occupancy rate must be > 65%<br> ▫ Must have six (6) comparison properties<br> ▫ Must be within two (2) miles of subject property<br> ▫ Must be similar in size, room count, amenities, availability, and occupancy<br> ▪ Overview report<br> ▫ Market grade by zip code<br> ▫ Must be B or greater<br> ▫ Income calculation<br> ▫ Annual revenue / 12<br>Reviewer Comment (2022-11-22): Received LOE from Seller as to how DSCR calculated. The xxxxxx in file does not meet the guideline requirements, as the forecast period does not cover 12 months from the Note date. Further, the 1007 provided does not indicate subject property is a STR. | 11/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780202 | xxxxxx | 27394483 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to allow the use of projected STR income to qualify DSCR. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-29): Client elects to waive with verified compensation factors |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779663 | xxxxxx | 27147301 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | An E is reflected at the end of the address. |  | Reviewer Comment (2022-11-14): Updated Flood Cert provided | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 779663 | xxxxxx | 27147303 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | 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. | Reviewer Comment (2022-11-07): Client elects to waive |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 779663 | xxxxxx | 27179040 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Wire Ticket to Settlement Agent. |  | Reviewer Comment (2022-11-14): Wire Ticket provided | 11/14/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 780406 | xxxxxx | 27147582 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-07): Client elects to waive |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780406 | xxxxxx | 27183127 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003. The borrower is not a US Citizen but a Permanent Resident. |  | Reviewer Comment (2022-11-09): Updated 1003 provided | 11/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780337 | xxxxxx | 27169820 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | If the trust was created under California law, a fully executed Certificate of Trust under Section 18100.5 of the California Probate Code is required; this document is missing from file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-10): Investor requested re-review to 9.2022 Guidelines and 10.2022 matrix which still reflect the same thing for Trusts created in xxxxxx. Condition remains.<br>Reviewer Comment (2022-11-09): Per the guidelines on page 61 of the lender's guidelines 4.2022, it states that the following documentation is required if the trust was created under xxxxxx low.....Cert of Trust...... |  |  | 11/17/2022 | 2 C B D | xxxxxx | xxxxxx | Investment | Purchase | D B |  | C A |  | N/A | No |
| xxxxxx | 780337 | xxxxxx | 27169996 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  | The lender must verify that sufficient funds to cover the gift are either in the donor's account or have been transferred to the borrower's account and reflected on the most recent bank statement.<br> Acceptable documentation includes the following:<br> • a copy of the donor's check and the borrower's deposit slip,<br> • a copy of the donor's withdrawal slip and the borrower's deposit slip,<br> • a copy of the donor's check or wire transfer advice to the closing agent, or<br> • a receipt/wire advice from escrow/title reflecting the amount of the donor's contribution |  | Reviewer Comment (2022-11-10): Wires received | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | C A |  | N/A | No |
| xxxxxx | 780337 | xxxxxx | 27170215 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing fully executed extension of the purchase agreement since loan closed after xxxxxx |  | Reviewer Comment (2022-11-16): Ext provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | C A |  | N/A | No |
| xxxxxx | 780337 | xxxxxx | 27170266 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-11-09): FTP provided | 11/09/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | C A |  | N/A | No |
| xxxxxx | 780337 | xxxxxx | 27170285 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Reviewer Comment (2022-11-09): FTP provided | 11/09/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | C A |  | N/A | No |
| xxxxxx | 780337 | xxxxxx | 27170286 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-07): Client elects to waive |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | C A |  | N/A | No |
| xxxxxx | 780337 | xxxxxx | 27170292 | xxxxxx | xxxxxx | 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: xxxxxx | Appraisal was made subject to and xxxxxx is not provided in file. |  | Reviewer Comment (2022-11-17): 442 provided<br>Reviewer Comment (2022-11-09): A property owner inspection would not be acceptable for securitization regardless of what the guidelines allow. A 442 with photos will be required. | 11/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | C A |  | N/A | No |
| xxxxxx | 780337 | xxxxxx | 27180295 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Per guidelines, the gift letter must specify the date the funds were transferred. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-17): Client elects to waive with verified compensation factors |  |  | 11/17/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | C A |  | N/A | No |
| xxxxxx | 780337 | xxxxxx | 27180454 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only provided in file. |  | Reviewer Comment (2022-11-09): Final SS provided | 11/09/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | C A |  | N/A | No |
| xxxxxx | 780337 | xxxxxx | 27180477 | xxxxxx | xxxxxx | 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%. | DSCR < 1.00, purchase transaction, Loan amount xxxxxx, and FICO 700+, max LTV is 70%. |  | Reviewer Comment (2022-11-10): Investor requested re-review to 9.2022 guidelines and 10.2022 matrix. Condition no longer applies. Max 75%.<br>Reviewer Comment (2022-11-09): The seller is requesting a re-review to an updated matrix. Please email DD form with approval for re-underwrite.<br>Reviewer Comment (2022-11-09): The investor provided us the 8.2022 lender's matrix to review this file to. If a re-underwrite of the loan is required, then the investor will need to request this. | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | C A |  | N/A | No |
| xxxxxx | 779660 | xxxxxx | 27168899 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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. | Reviewer Comment (2022-11-07): Client elects to waive |  |  | 11/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779660 | xxxxxx | 27183947 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CPL does not reflect the Trust as insured. |  | Reviewer Comment (2022-11-10): Updated CPL provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778574 | xxxxxx | 27149486 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx signed the Note/DOT, however no credit documents were provided for this borrower. Provide the credit report, application, fraud report, ID, etc for this borrower. |  | Reviewer Comment (2022-12-08): Revised Note and LOE via email provided (signature evidences delivery)<br>Reviewer Comment (2022-12-07): Corrected Note provided. Provide LOE to borrower and evidence of delivery to the borrower. | 12/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778574 | xxxxxx | 27173653 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-10): Client elects to waive |  |  | 11/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778574 | xxxxxx | 27192308 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letter does not reflect the date the funds were transferred which is a guideline requirement. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-22): Waived with compensating factors per investor request. |  |  | 11/22/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780165 | xxxxxx | 27171431 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-08): Client elects to waive |  |  | 11/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780165 | xxxxxx | 27193050 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $9,869.68 is less than Cash From Borrower $56,581.44. | Most recent statement dated xxxxxx reflects a balance of $7,719.68 which is insufficient for reserves/closing. The statement reflects a cashed check hold on xxxxxx for $53,644.44, however there is no indication in file this is for closing funds. |  | Reviewer Comment (2022-11-14): Official check provided verifying funds cashed check hold is for funds to close on this transaction. Borrower has sufficient cash to close and reserves. | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780165 | xxxxxx | 27193055 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | Most recent statement dated xxxxxx reflects a balance of $7,719.68 which is insufficient for reserves/closing. The statement reflects a cashed check hold on xxxxxx for $53,644.44, however there is no indication in file this is for closing funds. |  | Reviewer Comment (2022-11-14): Official check provided verifying funds cashed check hold is for funds to close on this transaction. Borrower has sufficient cash to close and reserves. | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780165 | xxxxxx | 27193186 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-14): Clearance LOE provided | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779840 | xxxxxx | 27173250 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-08): Client elects to waive |  |  | 11/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779840 | xxxxxx | 27193294 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-10): Clearance report provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779840 | xxxxxx | 27193297 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-11-10): Approval provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778685 | xxxxxx | 27174174 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778685 | xxxxxx | 27193441 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003. Per the fraud report, the borrower has no ownership in their primary residence. If borrower has ownership, provide evidence free and clear or 12 month VOM. |  | Reviewer Comment (2022-11-21): Received updated 1003 and property history report reflecting no liens on primary residence in borrower's spouse's name. | 11/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780157 | xxxxxx | 27173973 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-08): Client elects to waive |  |  | 11/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780157 | xxxxxx | 27189775 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Gross monthly rents are used to determine the DSCR. Gross rents are the lower of the actual rents from lease agreement(s) or market rents from either xxxxxx® Form 1007 or Form 1025 in the case of a multi-family property. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-17): Lender would like to waive<br>Reviewer Comment (2022-11-15): Pages 1, 3 and 4, at the bottom, were not initialed and reflects tenant should initial. Initially by the date on page 1 does not address the issue. Investor can elect to waive.<br>Reviewer Comment (2022-11-14): The tenant did not initial any pages of the lease agreement.<br>Reviewer Comment (2022-11-11): We do not have a rental agreement in file. Please provide the rental agreement for the subject property for review. |  |  | 11/17/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780157 | xxxxxx | 27189815 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only in file. |  | Reviewer Comment (2022-11-17): Final SS provided | 11/17/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780157 | xxxxxx | 27189831 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | 100% of the insurable value of the improvements, as established by the property insurer<br> (including guaranteed replacement, if applicable); or<br> · 100% of the Total Estimate of Cost-New per the appraiser; or<br> · The unpaid principal balance of the mortgage, as long as it at least equals the minimum<br> amount—80% of the insurable value of the improvements—required to compensate for<br> damage or loss on a replacement cost basis. If it does not, then coverage that does<br> provide the minimum required amount must be obtained.<br> The appraisal did not reflect the estimated cost new and the RCE was not provided. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-21): The guidelines do not state that HOI coverage in the same amount as the loan amount is acceptable, unless the coverage equals the minimum amount - 80% of the insurable value of improvements - required to compensate for damage or loss on a replacement cost basis. The appraisal does not indicate an estimated cost new, therefore it cannot be determined if the coverage provided is at least 80% of the insurable value. Please provide increased coverage in the amount of $59,667.00 or an RCE. |  |  | 11/30/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780157 | xxxxxx | 27189844 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-11-11): Approval provided | 11/11/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 779483 | xxxxxx | 27177499 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-08): Client elects to waive |  |  | 11/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779483 | xxxxxx | 27193588 | xxxxxx | xxxxxx | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Exception: |  | HOA is in litigation. Provide the litigation documentation. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-12): Client elects to waive<br>HOA Balance Sheet reserves and labiality insurance appear to be sufficient for cover litigation liabilities which are currently in an Alternative Resolution Status indicating they are coming to agreement or resolution. There are no health safety or structural damages<br>Reviewer Comment (2022-12-09): Escalated condition. No further action is required by the seller. Once a decision is made, the loan file will be updated/investor emailed.<br>Reviewer Comment (2022-11-28): The documents provided are just a search for the pending litigation. Full litigation documents are required in order for escalation to see if this qualifies for a downgrade.<br>Reviewer Comment (2022-11-17): The public index searches provided do not indicate the search was run. Just has criteria entered. Does not indicate no results found, etc. Further, if there are no results found, then that needs to be provided along with the HOA need to update the questionnaire to No. |  |  | 12/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779483 | xxxxxx | 27193730 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of xxxxxx. | Investor request only in file. Provide the approved exception with valid comp factors. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-14): Comp factors are incorrect. The credit score is not 30+ points above the minimum. Borrower is a FTI, minimum score is 680. |  |  | 11/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779483 | xxxxxx | 27193786 | xxxxxx | xxxxxx | 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%. | Per guidelines, 5% LTV deduction for use of STR income. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-14): Comp factors are incorrect. The credit score is not 30+ points above the minimum. Borrower is a FTI, minimum score is 680. |  |  | 11/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779483 | xxxxxx | 27472809 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-14): PDI received dated xxxxxx : No Damage | 12/14/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779526 | xxxxxx | 27178767 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | 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. | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 779526 | xxxxxx | 27202158 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, property not classified as rural max acres is xxxxxx. Appraisal reflects xxxxxx. | 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. | Reviewer Comment (2022-11-10): Client elects to waive with verified compensation factors |  |  | 11/10/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 778115 | xxxxxx | 27188847 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-11-10): Approval provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778115 | xxxxxx | 27188931 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-11-10): Fraud Report provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778115 | xxxxxx | 27189054 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778115 | xxxxxx | 27189207 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx , Disbursement date: xxxxxx | Wet State: HOI effective date is after consummation. |  | Reviewer Comment (2022-11-10): Pre-close policy provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778115 | xxxxxx | 27202983 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Section 2 is not completed. |  | Reviewer Comment (2022-11-10): Updated NOO provided | 11/10/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778115 | xxxxxx | 27203031 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of xxxxxx. | Investor exception in file | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-09): Client elects to waive with verified compensation factors |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778115 | xxxxxx | 27219404 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-16): Clearances provided | 11/16/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778115 | xxxxxx | 27219447 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The pre-close policy does not reflect the correct lender + ISAOA. A post-close policy is not acceptable. |  | Reviewer Comment (2022-12-02): The revised policy adding the correct mortgagee+ ISAOA with an effective date of xxxxxx is an update to the original policy which expires xxxxxx New policy also provided.<br>Reviewer Comment (2022-11-17): The same documents were provided that were previously provided. We cannot take 1 policy to cure one thing and the other cure another and be partially correct. Post-close polices are not acceptable. The pre-close policy with the correct mortgagee+ ISAOA only has a term of 1 month. This policy needs to be corrected or the investor can elect to waive.<br>Reviewer Comment (2022-11-16): The same post close- policy was provided that was in file which is not acceptable. The pre-close policy must reflect a 12 month term and the current mortgagee+ISAOA. | 12/02/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780490 | xxxxxx | 27180791 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2022-11-28): HOI provided | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780490 | xxxxxx | 27180847 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-09): Client elects to waive |  |  | 11/09/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780490 | xxxxxx | 27199777 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003. Borrower has no ownership in the primary residence per the property profile report and LOE from the borrower. |  | Reviewer Comment (2022-12-02): Corrected 1003 provided<br>Reviewer Comment (2022-11-30): The 1003 was updated to reflect rent. Borrower has no ownership in primary. | 12/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780490 | xxxxxx | 27199810 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Borrowers living "rent free" in a home they do not own or rent, must provide supporting documentation: LOE from the owner or lessee | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-18): The guidelines do not say if borrower is living with a spouse a rent free letter is not required. |  |  | 11/30/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780490 | xxxxxx | 27201195 | xxxxxx | xxxxxx | 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%. | Novice Investor: 5% LTV deduction. Lender exception in file. Must be approved by the Investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-17): Lender would like to waive |  |  | 11/30/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778522 | xxxxxx | 27182952 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-11-10): Client elects to waive |  |  | 11/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B |  | A |  | N/A | No |
| xxxxxx | 774186 | xxxxxx | 27182726 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-10): Client elects to waive |  |  | 11/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 774186 | xxxxxx | 27215047 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final Title Policy reflects a PUD endorsement attached, however per the appraisal, the property is not in a PUD. |  | Reviewer Comment (2022-11-14): Supplement provided removing endorsement | 11/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779047 | xxxxxx | 27184309 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Non-Arms:: 12 months of mortgage history for the existing mortgage to ensure that the transaction is not a family bail is required. The title policy reflects a mortgage and a state lien for an undisclosed amount. |  | Reviewer Comment (2022-11-23): Evidence the property was owned free and clear previously was provided.<br>Reviewer Comment (2022-11-16): The UW LOE is not sufficient. Provide the update prelim policy reflecting liens were cleared. | 11/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779047 | xxxxxx | 27184357 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-10): Client elects to waive |  |  | 11/10/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780632 | xxxxxx | 27193159 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780632 | xxxxxx | 27228460 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letter is dated post-closing. The disbursement date has no bearing on this. |  | Reviewer Comment (2022-11-16): Pre-close gift letter provided<br>Reviewer Comment (2022-11-15): We need a correct gift letter dated prior to closing with the accurate account. If one cannot be provided, the investor can elect to waive. | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780578 | xxxxxx | 27193199 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2022-11-16): HOI provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780578 | xxxxxx | 27193478 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-14): Client elects to waive |  |  | 12/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780578 | xxxxxx | 27229684 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the xxxxxx lien paid through closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-13): The lien is being paid on the Final HUD-1, therefore a history is required regardless of who it belongs too. If the Final HUD-1 is incorrect, provide the updated settlement statement to verify.<br>Reviewer Comment (2022-11-30): The lien is on the subject property and is being paid off through closing, therefore a history is required whether it is in the borrower's name or not.<br>Reviewer Comment (2022-11-28): The document provided reflects 1 payment made on xxxxxx consisting of 3 months of payments. The statement also reflects an overdue payment for 1 month. A full 12 month history is provided specifying which payments were late. Max for program is 0x60x12.<br>Reviewer Comment (2022-11-16): The document provided is not for the subject property. There is a lien with PNC being paid through closing. Provide that VOM. |  |  | 12/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779734 | xxxxxx | 27193637 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance policy reflects coverage of xxxxxx; however, the note amount is xxxxxx and the appraisal reflects the total cost new as xxxxxx |  | Reviewer Comment (2022-11-15): RCE provided | 11/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779734 | xxxxxx | 27193640 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-11-18): FTP provided | 11/18/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779734 | xxxxxx | 27193649 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  | Reviewer Comment (2022-11-18): FTP provided | 11/18/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779734 | xxxxxx | 27193650 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | 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. | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779734 | xxxxxx | 27229868 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003. Per the Fraud Report, the borrower does not have any ownership in their primary residence. |  | Reviewer Comment (2022-11-18): Articles and property profile report provided. Owned by LLC in which Guarantor owns. | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779734 | xxxxxx | 27229913 | xxxxxx | xxxxxx | 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%. | DSCR < 1.00, FICO 700+, loan amount xxxxxx, C/O transaction, xxxxxx-unit property, max LTV is 70%. Overlays on xxxxxx 22 Matrix: 5% LTV reduction apply to all transactions secured by property in a state or CBSA. Zip code/State is listed on the investor's spreadsheet provided. 5% LTV deduction applies which makes the max LTV 65%. |  | Reviewer Comment (2022-11-18): Client requested re-review to 9.2022 matrix. Condition no longer applies.<br>Reviewer Comment (2022-11-18): The matrix the DD was instructed to utilize was the 11.2022 matrix. If a re-underwrite is required, the investor will need to email the DD for this or grant an exception. | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779734 | xxxxxx | 27229988 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the Final CD, borrower is paying off personal debt through closing. Transaction is not eligible for DSCR. |  | Reviewer Comment (2022-11-28): Evidence provided that this was a lien on the prelim title for subject property. Not considered personal debt.<br>Reviewer Comment (2022-11-21): The judgment documentation provided does not clear this condition. The judgment was against the borrower personally and is considered personal debt. Transaction not eligible for DSCR. | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779734 | xxxxxx | 27299238 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month VOM for the primary residence. |  | Reviewer Comment (2022-11-21): Received property history report reflecting F&C. | 11/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778909 | xxxxxx | 27193484 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2022-11-16): Flood Cert provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778909 | xxxxxx | 27193568 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | 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. | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778909 | xxxxxx | 27193574 | xxxxxx | xxxxxx | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | Address: xxxxxx | File was missing a copy of the current lease agreement. Appraisal reflects tenant occupied. |  | Reviewer Comment (2022-11-16): Lease agreement provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778909 | xxxxxx | 27227418 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Provide the scored credit report. Report in file is xxxxxx merge with no scores. |  | Reviewer Comment (2022-11-16): Scored report provided | 11/16/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778909 | xxxxxx | 27227424 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide the full Fraud Report. Clearance report only in file. |  | Reviewer Comment (2022-11-16): Fraud Report provided | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778909 | xxxxxx | 27227444 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx | The 1004D and DI in file is dated prior to the disaster end date of xxxxxx | 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. | Reviewer Comment (2022-11-16): Client elects to waive with verified compensation factors |  |  | 11/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 778909 | xxxxxx | 27227677 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOR for the borrower's primary residence. If from a private or non-institutional landlord, cancelled checks will be required. |  | Reviewer Comment (2022-11-16): VOR provided<br>Reviewer Comment (2022-11-16): No new documents received for this condition. Please try uploading again. | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780112 | xxxxxx | 27193958 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the borrower's primary residence. |  | Reviewer Comment (2022-11-16): Final CD, First Payment letter, Note provided for primary. Previously free and clear. New mtg first payment xxxxxx 22. | 11/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780112 | xxxxxx | 27194061 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Commitment <br> State: xxxxxx |  |  | Reviewer Comment (2022-11-17): Supplement provided | 11/17/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780112 | xxxxxx | 27194065 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-11): Client elects to waive |  |  | 11/11/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780182 | xxxxxx | 27198003 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780182 | xxxxxx | 27198285 | xxxxxx | xxxxxx | 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%. | Per guidelines, in order to utilize actual rents, the Lease Agreement + 2 months rent receipts must be provided as well as actual rent must be within 120% of Comparable Rent Schedule in order to use to qualify. 1 month rent and Security deposit receipts are in file, however actual rents are not within 120% of the estimated rents. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-18): See revised exception with investor exception<br>Reviewer Comment (2022-11-18): .<br>Reviewer Comment (2022-11-17): Client elects to waive with verified compensation factors | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780182 | xxxxxx | 27298002 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, in order to utilize actual rents, the Lease Agreement + 2 months rent receipts must be provided as well as actual rent must be within 120% of Comparable Rent Schedule in order to use to qualify. 1 month rent and Security deposit receipts are in file, however actual rents are not within 120% of the estimated rents. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-18): Client elects to waive with verified compensation factors |  |  | 11/18/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779887 | xxxxxx | 27197960 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B |  | A |  | N/A | No |
| xxxxxx | 779770 | xxxxxx | 27199261 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The Master HOA and the HO6 polices reflect a Unit number vs. all other documents which do not. |  | Reviewer Comment (2022-11-22): The client is ok with the HOA and HO6 having the unit number. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779770 | xxxxxx | 27199374 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-14): Client elects to waive |  |  | 11/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779770 | xxxxxx | 27238509 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, the POA must contain an expiration date. POA in the file does not. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-30): The lender's guidelines dated 8.2022 were provided to review loan to. Under POA section, states POA must contain an expiration date. Removed requirement for POA on FN as per guidelines, only not allowed on cashout foreign nationals. This is a purchase.<br>Reviewer Comment (2022-11-22): An expiration date is required. Also, the exception has been updated as per guidelines POAs for Foreign National transactions are not permitted. |  |  | 12/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779770 | xxxxxx | 27238549 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | W-8 is required on Foreign National borrowers. |  | Reviewer Comment (2022-11-22): W-8 was provided. | 11/22/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 778433 | xxxxxx | 27227740 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-18): Client elects to waive |  |  | 11/18/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778433 | xxxxxx | 27254354 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The Certificate of Good Standing for both Entities is not dated. Must be pulled within 1 year of consummation. |  | Reviewer Comment (2022-11-18): Updated COGS provided | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778433 | xxxxxx | 27254398 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2022-11-18): BP cert provided | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778433 | xxxxxx | 27254400 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-18): Clearance report provided | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778705 | xxxxxx | 27227825 | xxxxxx | xxxxxx | 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%. | The max for a Non-Perm Resident on a DSCR loan is 70%, However, per the 11.2022 matrix, the State is on the CBSA list, therefore a 5% deduction applies. There is an investor exception in file for LTV, however it states the max is 70% vs. 65%. Please provide the updated exception form. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-18): Client requested re-review to 9.2022 matrix. Max LTV is 70%<br>Reviewer Comment (2022-11-18): Exception Explanation Updated from: Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%.<br>Reviewer Comment (2022-11-18): If the loan needs to be re-reviewed, please email the DD requesting a re-underwrite. |  |  | 11/18/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778705 | xxxxxx | 27227841 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance policy reflects coverage of xxxxxx. The loan amount is xxxxxx and the appraisal report reflects the estimate cost new as xxxxxx . The coverage is short by xxxxxx . |  | Reviewer Comment (2022-11-18): RCE provided | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778705 | xxxxxx | 27227854 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2022-11-18): Updated HOI provided | 11/18/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778705 | xxxxxx | 27227855 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778705 | xxxxxx | 27254862 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for borrower not having an approved VISA. The borrower submitted an application for the VISA, however it has not been finalized yet. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-15): Client elects to waive with verified compensation factors |  |  | 11/15/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780343 | xxxxxx | 27239441 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780343 | xxxxxx | 27266961 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | Foreign national borrowers without qualifying xxxxxx. credit (Including borrowers without a valid Social Security number and borrowers with or without an Individual Tax Identification Number) must provide evidence of two (2) open tradelines reporting for two (2) years with activity in the most recent 12 months. No derogatory credit history is permitted within the 2-year history under review. ANY combination of the following is acceptable to arrive at the tradeline requirement:<br> o Tradelines evidenced via a xxxxxx credit report; AND/OR<br> o Alternative Tradelines consisting of two of the following:<br> ▪ Credit Reference letter(s) from a verified financial institutions in the borrower's country of origin<br> ▫ A reference letter must be from an internationally known financial institution.<br> ▫ Each letter of reference must state the type and length of the relationship, how the account is held, payment amount, outstanding balance and status of account including a minimum 12-month payment history.<br> ▫ A single reference source may provide verification of multiple accounts. Individual account detail must be provided.<br> ▫ The letter must mention the borrower by name.<br> ▫ Name, title & contact information of the person signing the letter must be included.<br> ▫ Currency must be converted to xxxxxx and signed and dated by certified translator.<br> ▫ All documents must be translated into English.<br> ▪ Credit Card Statements – minimum of twelve (12) recent credit card statements reflecting a timely payment history. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-12): Client elects to waive with verified compensation factors |  |  | 12/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779843 | xxxxxx | 27237037 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. |  | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779843 | xxxxxx | 27237070 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-11-21): Received | 11/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778081 | xxxxxx | 27255024 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-18): Client elects to waive |  |  | 11/18/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B |  | A |  | N/A | No |
| xxxxxx | 780529 | xxxxxx | 27249173 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-16): Client elects to waive |  |  | 11/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780529 | xxxxxx | 27267138 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. |  | Reviewer Comment (2022-12-12): Updated HOI provided | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780529 | xxxxxx | 27267171 | xxxxxx | xxxxxx | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx | Spousal consent required on Entity loans in Community Property States |  | Reviewer Comment (2022-12-06): Spousal consent provided | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780529 | xxxxxx | 27267184 | xxxxxx | xxxxxx | 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%. | DSCR < 1.00, FICO 660+, loan amount xxxxxx, purchase transaction, max LTV 70%. However, de to state is on the CBSA list, a 5% LTV deduction is required. Max 65%. |  | Reviewer Comment (2022-11-30): Client requested re-review to 9/2022 matrix. Condition no longer applies. | 11/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779072 | xxxxxx | 27267176 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779072 | xxxxxx | 27283156 | xxxxxx | xxxxxx | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Exception: |  | HOA is in litigation. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-28): The client elects to waive.<br>Reviewer Comment (2022-11-28): downgraded to 2/B since minimal loss would be sustained from the litigation. Reserves support |  |  | 11/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779072 | xxxxxx | 27283205 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception: The HOA is noted to be a separate legal entity to the commercial space, however investor requires condo developments to contain 50% or less commercial space for the entire development. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-17): Client elects to waive with verified compensation factors |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779072 | xxxxxx | 27283262 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The 1008 does not reflect the UW name. |  | Reviewer Comment (2022-11-21): The Approval was provided. | 11/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779072 | xxxxxx | 27283283 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The BP cert in file is incomplete. The body date is not filled out (i.e. where loan amount should be, just says loan amount). The additional BP cert in file has the incorrect seller. The seller represents the lender vs. the seller of the property. |  | Reviewer Comment (2022-11-28): Corrected BPO cert provided | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779072 | xxxxxx | 27283319 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Per guidelines, the credit report is only good for 90 days. A new scored report date prior to closing is required for both borrowers. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-29): Client elects to waive with verified compensation factors |  |  | 11/29/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 780930 | xxxxxx | 27250455 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780930 | xxxxxx | 27250702 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The branch manager or branch personnel designated by the branch manager will email the borrower to verify that the property is an investment property, on every loan. Provide the email. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-28): The investor provided us with 8.2022 SNL guidelines to review to which must be utilized. On page 8, under Occupancy, it states this email is required. |  |  | 11/30/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780835 | xxxxxx | 27248174 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780835 | xxxxxx | 27283659 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HO6 does not reflect the Trust as insured. |  | Reviewer Comment (2022-12-02): Updated HO6 provided | 12/02/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780835 | xxxxxx | 27283694 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-22): Received | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780695 | xxxxxx | 27252500 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, borrower's primary housing history is required to be verified for the most recent 12 months. Per the credit report, borrower's primary residence has reported for 10 months. Final 1003 indicates borrower has resided at primary residence for 1 year, and resided at prior residence for 3 years, 2 month; however, it is not indicated if they owned or rented this residence. Please provide additional 2 months primary housing history to complete the 12 months required by guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-09): The supplement provided is dated post closing and verifies payments post-closing which cannot be considered. Provide the housing history from the previous residence. |  |  | 12/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 780695 | xxxxxx | 27252520 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2022-12-01): Articles provided<br>Reviewer Comment (2022-11-30): The document provided is the Ops Agreement. Condition is requesting Articles of Org. | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 780695 | xxxxxx | 27252576 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Please provide final Closing Statement. Closing statement in file indicates it is an estimated combined statement and not the final. |  | Reviewer Comment (2022-12-01): Final SS provided<br>Reviewer Comment (2022-11-30): The settlement statement provided is not stamped certified/signed. | 12/01/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 780695 | xxxxxx | 27252624 | xxxxxx | xxxxxx | 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%. | The maximum LTV for a purchase of a single family residence with a DSCR less than .75, with a xxxxxx loan amount and 762 credit score is 70%. Subject loan was approved at 75% LTV. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-12): xxxxxx projections in file which meet requirements per guidelines. DSCR > 1.00. Max LTV 80% with a 5% LTV deduction for STR income use. Max 75% LTV.<br>Reviewer Comment (2022-11-23): The client elects to waive. | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 780695 | xxxxxx | 27252634 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 780695 | xxxxxx | 27252636 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-12-01): Clearance report provided | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 780430 | xxxxxx | 27250974 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780430 | xxxxxx | 27283925 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx ; Disbursement date: xxxxxx ; Note date: xxxxxx ; Transaction date: xxxxxx | Dry State: HOI effective date is after the disbursement date. |  | Reviewer Comment (2022-11-22): The HOI is dated after the disbursement date. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 776883 | xxxxxx | 27251678 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-01): DI received dated post disaster xxxxxx . No Damage<br>Reviewer Comment (2022-12-01): No new documents were found in trailing documents. Please try uploading again. | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 776883 | xxxxxx | 27251689 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-21): The client elects to waive. |  |  | 11/21/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 776883 | xxxxxx | 27251691 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-11-22): Received CDA | 11/22/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 776883 | xxxxxx | 27284046 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | > 1 year old. |  | Reviewer Comment (2022-11-22): Received | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 776883 | xxxxxx | 27284136 | xxxxxx | xxxxxx | 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%. | DSCR > 1.00 on a C/O transaction with a FICO of 700+ and loan amount xxxxxx, max LTV is 75%. However, guidelines require a 5% LTV deduction when utilizing STR income to qualify. Max LTV 70%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-22): The client elects to waive.<br>Reviewer Comment (2022-11-22): Received investor exception request; however, compensating factors are incorrect. The borrower's qualifying credit score is not 10+ points higher than the guideline minimum. Qualifying FICO is 707 and minimum required FICO is 700. |  |  | 11/22/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 776883 | xxxxxx | 27284182 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003. Borrower's business owns the primary residence which he is the Sole Owner of. Borrower is not renting. |  | Reviewer Comment (2022-11-22): Received property history report showing borrower, nor their business, owns primary disclosed on 1003. | 11/22/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 781247 | xxxxxx | 27285664 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Flood Cert only reflects xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-08): Lender would like to waive<br>Reviewer Comment (2022-11-30): The is for the flood certificate address vs. flood insurance. Yes, a flood cert is required to match the address on the Note. If this cannot be obtained, you can request the investor waive this with comp factors.<br>Reviewer Comment (2022-11-28): The flood cert is still incorrect. The address is xxxxxx and xxxxxx |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 781247 | xxxxxx | 27285668 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-18): Client elects to waive |  |  | 11/18/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 781247 | xxxxxx | 27285672 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx , Valuation Type: Appraisal / Valuation Report date: xxxxxx | The appraisal and CDA only reflect xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-28): Lender would like to waive. |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 781247 | xxxxxx | 27297259 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Investment Affidavit. |  | Reviewer Comment (2022-11-28): Investment affidavit provided | 11/28/2022 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 781247 | xxxxxx | 27297286 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the Borrowers Background and Credit Authorization, ACH, and Property Management Agreement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-08): Lender would like to waive<br>Reviewer Comment (2022-11-28): The completed ACH was not provided |  |  | 12/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 779273 | xxxxxx | 27303211 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The HUD-I in file is cut off at the top of page 2 |  | Reviewer Comment (2022-11-28): Final HUD provided | 11/28/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779273 | xxxxxx | 27303272 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | 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. | Reviewer Comment (2022-11-18): Client elects to waive |  |  | 11/18/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 778925 | xxxxxx | 27297702 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-18): Client elects to waive |  |  | 11/18/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778925 | xxxxxx | 27297872 | xxxxxx | xxxxxx | 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%. | DSCR < 1.00, FICO 700+ and loan amount xxxxxx, max LTV is 70%. Provide the updated exception form. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-28): Exception Explanation Updated from: Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%.<br>Reviewer Comment (2022-11-28): Client requested re-review to 9.2022 matrix<br>Reviewer Comment (2022-11-28): The same exception form was provided that was in file at time of review. Please see the original condition comments: DSCR < 1.00, FICO 700+ and loan amount <$1.5MIL, max LTV is 70%. State is on the CBSA listed, therefore a 5% LTV deduction applies. Max LTV is 65%. Further, the comp factors are incorrect. The credit score is not 30+ points above minimum. Provide the updated exception form. |  |  | 11/28/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 778925 | xxxxxx | 27300619 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence borrower has ownership in xxxxxx. EMD funds came from account for xxxxxx. |  | Reviewer Comment (2022-11-28): Evidence of ownership provided | 11/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779274 | xxxxxx | 27311234 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for EAD card with C33 code does not meet guidelines for Non-Permanent Resident Alien. Investor to Approve. | 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. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-01): The document provided is an exception request. Provide the approved exception with comp factors<br>Reviewer Comment (2022-12-01): No new documents were found in trailing documents. Please try uploading again. |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779274 | xxxxxx | 27311446 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  | Reviewer Comment (2022-12-06): Updated HOI provided<br>Reviewer Comment (2022-12-01): The HOI uploaded still does not reflect ISAOA.<br>Reviewer Comment (2022-12-01): No new documents were found in trailing documents. Please try uploading again. | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779274 | xxxxxx | 27311447 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2022-12-05): Updated commitment provided | 12/05/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779274 | xxxxxx | 27311455 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | 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. | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779274 | xxxxxx | 27311461 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-12-01): Cleared report provided<br>Reviewer Comment (2022-12-01): No new documents were found in trailing documents. Please try uploading again. | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779274 | xxxxxx | 27311464 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Credit Eligibility | Borrower and Mortgage Eligibility | Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis. Confirm residency requirements with Investor Guidelines. | Borrower: xxxxxx |  | 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. | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779274 | xxxxxx | 27311490 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-12-01): Approval provided<br>Reviewer Comment (2022-12-01): No new documents were found in trailing documents. Please try uploading again. | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781770 | xxxxxx | 27317359 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-11-30): FTP provided | 11/30/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781770 | xxxxxx | 27317366 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-11-30): FTP provided | 11/30/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781770 | xxxxxx | 27317367 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | 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. | Reviewer Comment (2022-11-28): Client elects to waive with verified compensation factors |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781770 | xxxxxx | 27317383 | xxxxxx | xxxxxx | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Per guidelines for all cash-out refinances on an investment property, properties listed for sale within the past 6 months are eligible with a prepayment penalty. If a property is listed for sale, the listing must be cancelled prior to the Note date. Per the appraisal provided, subject property is currently listed for sale. Please provide evidence listing was cancelled prior to the Note date. |  | Reviewer Comment (2022-11-30): Appraisal report provided with an update on the cancellation date. Prior to Note date. | 11/30/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 778516 | xxxxxx | 27316974 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | 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. | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B |  | A |  | N/A | No |
| xxxxxx | 781285 | xxxxxx | 27333542 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2022-12-01): Fraud Report provided | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 781285 | xxxxxx | 27333571 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-12-01): Approval provided | 12/01/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 781285 | xxxxxx | 27333616 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | 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.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 781285 | xxxxxx | 27339426 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated Settlement Statement in file only. |  | Reviewer Comment (2022-12-01): Final SS provided | 12/01/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 781285 | xxxxxx | 27410831 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-12-06): Clearance report provided<br>Reviewer Comment (2022-12-02): The High Risk Red Flags on the Fraud Report are not addressed. Provide the cleared report. | 12/06/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 779947 | xxxxxx | 27393543 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779947 | xxxxxx | 27393670 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779947 | xxxxxx | 27393692 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Definition: Borrower on title < 12 months: Value estimate limited to the lessor of the original purchase price or the current appraised value. Lender exception in file. Must be approved by the investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779947 | xxxxxx | 27393716 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): xxxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779947 | xxxxxx | 27396194 | xxxxxx | xxxxxx | 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%. | Per the VCC matrix, 5% LTV deduction for First Time Investors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780004 | xxxxxx | 27342217 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-12-09): FTP provided | 12/09/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780004 | xxxxxx | 27342221 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-12-09): FTP provided<br>Reviewer Comment (2022-12-05): The escrow instructions are not acceptable. We will need a supplemental report to title from the title company. This is a requirement for securitization. | 12/09/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780004 | xxxxxx | 27342223 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780004 | xxxxxx | 27342592 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated application. Borrower is living rent free and currently primary vs. renting. |  | Reviewer Comment (2022-12-05): Updated app provided | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780004 | xxxxxx | 27396247 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, both taxes and insurance are required to be escrowed. Only taxes are escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779951 | xxxxxx | 27340929 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779951 | xxxxxx | 27341272 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Release Provisions/Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No | A partial release is not allowed according to the security instrument; loan must be paid in full to release any property securing the loan. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779951 | xxxxxx | 27341921 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Borrower's Primary Residence: If the Borrower previously rented, a 12-month rental history must be verified with:<br> Ø Verification of Rents (VOR) from management company; or<br> Ø Cancelled rent checks from the Borrower for the past 12 months. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779951 | xxxxxx | 27447286 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Property Loan Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-09): Investor can elect to waive. Each property needs a loan amount allocation breakdown.<br>Reviewer Comment (2022-12-06): Missed at initial review. xxxxxx. |  |  | 12/09/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779971 | xxxxxx | 27342623 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of xxxxxx. | Lender exception in file, investor to approve. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779971 | xxxxxx | 27389437 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779971 | xxxxxx | 27389481 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Valuation address zip code reflects xxxxxx, security instrument zip code reflects xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779971 | xxxxxx | 27389572 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | All closing statements in file reflect estimated. |  | Reviewer Comment (2022-12-01): Final SS provided | 12/01/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779971 | xxxxxx | 27393742 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification |  | Reviewer Comment (2022-12-05): xxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779971 | xxxxxx | 27396205 | xxxxxx | xxxxxx | 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%. | Per the VCC matrix, 5% LTV deduction for First Time Investors. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779971 | xxxxxx | 27396265 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, both taxes and insurance are required to be escrowed. Only taxes are escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779957 | xxxxxx | 27332922 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779957 | xxxxxx | 27369047 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): xxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779903 | xxxxxx | 27393156 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779903 | xxxxxx | 27393206 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Release Provisions/Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No | A partial release is not allowed according to the security instrument; loan must be paid in full to release any property securing the loan. | Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779903 | xxxxxx | 27393385 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 643 is less than Guideline representative FICO score of 650. | Lender exception in file, Investor to approve. | Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779903 | xxxxxx | 27393394 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Credit | Guideline Issue: Bankruptcy timeline outside of credit guidelines |  | Seasoning of less than 5 years for multiple bankruptcy filings within 7 years. Lender exception in file, Investor to approve. | Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779903 | xxxxxx | 27396268 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, both taxes and insurance are required to be escrowed. Only taxes are escrowed. | Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779903 | xxxxxx | 27447296 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Property Loan Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx |  | Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-08): The investor can elect to waive. A loan amount allocation is required for each property.<br>Reviewer Comment (2022-12-06): Missed at initial review. xxxxxx |  |  | 12/09/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779979 | xxxxxx | 27333717 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Definition: Borrower on title < 12 months. Value estimate limited to the lessor of the original purchase price or the current appraised value. Lender exception in file. Must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 779979 | xxxxxx | 27333861 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 779925 | xxxxxx | 27331629 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): xxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779925 | xxxxxx | 27331918 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779925 | xxxxxx | 27332850 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-05): PDI received dated xxxxxx : No Damage | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780049 | xxxxxx | 27339958 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): xxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780049 | xxxxxx | 27340236 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780049 | xxxxxx | 27341527 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Release Provisions/Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No | A partial release is not allowed according to the security instrument; loan must be paid in full to release any property securing the loan. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780049 | xxxxxx | 27394047 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | The Security Instrument in the file is not executed. |  | Reviewer Comment (2022-12-01): Signed deed provided | 12/01/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780049 | xxxxxx | 27447321 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Property Loan Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-09): Investor can elect to waive.<br>Reviewer Comment (2022-12-09): Investor can elect to waive. A loan amount allocation is required for each property.<br>Reviewer Comment (2022-12-06): Missed at initial review. xxxxxx. |  |  | 12/09/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780033 | xxxxxx | 27332173 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780033 | xxxxxx | 27394225 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for HOI not covering xxxxxx and xxxxxx as required per guidelines. Must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780006 | xxxxxx | 27330162 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI reflects the property is a xxxxxx, however per the appraisal, property is an xxxxxx. |  | Reviewer Comment (2022-12-06): Updated HOI provided | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 780006 | xxxxxx | 27330439 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 779952 | xxxxxx | 27337592 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779952 | xxxxxx | 27337714 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The VOM for the primary residence was not provided. Lender exception in file. Must be approved the investor. | n | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779952 | xxxxxx | 27337719 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The mortgage on the credit report is 1x60x12. Lender exception in file. Must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779952 | xxxxxx | 27394547 | xxxxxx | xxxxxx | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Exception: |  | HOA is in litigation. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-01): The client elects to waive.<br>Litigation is not applicable for the subject unit rather for a foreclosure action for another unit and unpaid condo assessments |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 779952 | xxxxxx | 27460841 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | C B |  | N/A | No |
| xxxxxx | 780066 | xxxxxx | 27395931 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-12-09): FTP provided | 12/09/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780066 | xxxxxx | 27395934 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-12-09): FTP provided<br>Reviewer Comment (2022-12-05): Escrow Instructions are not acceptable. Will need a supplemental report to the title policy or final title policy. This is a securitization requirement. | 12/09/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780066 | xxxxxx | 27395944 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780066 | xxxxxx | 27400414 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only in file |  | Reviewer Comment (2022-12-01): Final SS provided | 12/01/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780066 | xxxxxx | 27400497 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. However, only taxes were escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-01): Client can elect to waive. Being a DSCR loan has no bearing on this. This is a VCC matrix requirement. |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780055 | xxxxxx | 27396408 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780055 | xxxxxx | 27400571 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. HOI was not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780055 | xxxxxx | 27400625 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Definition: Borrower on title < 12 months: Value estimate limited to the lessor of the original purchase price or the current appraised value. Lender exception in file to be approved by investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780030 | xxxxxx | 27396121 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-05): PDI received dated xxxxxx: No Damage | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780030 | xxxxxx | 27396123 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780030 | xxxxxx | 27400890 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership in xxxxxx (asset statements). | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-14): Investor can elect to waive<br>Reviewer Comment (2022-12-09): The guidelines do not state non-owner accounts can be utilized. Therefore, evidence of ownership is required.<br>Reviewer Comment (2022-12-05): We will need an Entity document to support ownership (i.e. Ops Agreement, Articles of Org, etc) |  |  | 12/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780030 | xxxxxx | 27400912 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, liability insurance must cover $300,000 for 1-4 properties. Coverage is only $100,000. Lender exception in file must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780030 | xxxxxx | 27400928 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | The final HUD-1 reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779940 | xxxxxx | 27396514 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779940 | xxxxxx | 27396525 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-05): PDI received dated xxxxxx . No Damage | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779999 | xxxxxx | 27395613 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The VOR/VOM for the borrower's primary residence nor subject property were provided. Lender exception in file must be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 779999 | xxxxxx | 27395676 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 779999 | xxxxxx | 27401112 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only in file. |  | Reviewer Comment (2022-12-08): Final SS provided<br>Reviewer Comment (2022-12-01): The same document was provided that was in file at time of review. Reflects Estimate | 12/08/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 779999 | xxxxxx | 27401115 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. HOI was not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 779973 | xxxxxx | 27395842 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $673,601.83 is less than Cash From Borrower $758,616.48. |  |  | Reviewer Comment (2022-12-05): Additional assets provided | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779973 | xxxxxx | 27395843 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Second unit is not reflected | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779973 | xxxxxx | 27395844 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-12-05): FTP prvided | 12/05/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779973 | xxxxxx | 27395848 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-12-05): FTP provided | 12/05/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779973 | xxxxxx | 27395850 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-30): Client to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779973 | xxxxxx | 27401205 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only in file. |  | Reviewer Comment (2022-12-09): Final SS provided<br>Reviewer Comment (2022-12-01): The Final SS provided is not for the borrower or property | 12/09/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779973 | xxxxxx | 27401210 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. HOI was not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 779973 | xxxxxx | 27401234 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-05): Additional assets provided | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B |  | A |  | N/A | No |
| xxxxxx | 780057 | xxxxxx | 27398027 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Loan file is missing evidence of the xxxxxx mortgage payment on borrower's primary residence, to verify mortgage is current at the time of subject loan closing. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780057 | xxxxxx | 27398091 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780057 | xxxxxx | 27401700 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. HOI was not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779933 | xxxxxx | 27398941 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): xxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C B |  | N/A | No |
| xxxxxx | 779933 | xxxxxx | 27399209 | xxxxxx | xxxxxx | 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: xxxxxx |  | Borrower's Experience/Track Record | Reviewer Comment (2022-12-12): Client elects to waive<br>Escrow for resurfacing of pool repairs < 4% of appraised value. Appraiser states there are no physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property<br>Reviewer Comment (2022-12-12): Escrow holdback states that amount will be used for repairs. (0089)<br>Reviewer Comment (2022-12-07): Escalated Review. No further action required by the seller. Once decision is received, file/comments will be updated. |  |  | 12/12/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C B |  | N/A | No |
| xxxxxx | 779933 | xxxxxx | 27399287 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's Experience/Track Record | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C B |  | N/A | No |
| xxxxxx | 779933 | xxxxxx | 27399327 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-05): PDI received | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C B |  | N/A | No |
| xxxxxx | 779996 | xxxxxx | 27400847 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-20): The client elects to waive.<br>Reviewer Comment (2022-12-14): The HOA will need to clarify this or investor can elect to waive<br>Reviewer Comment (2022-12-09): The HOA question for litigation is marked No however states "other than for the normal past due assessment collections, foreclosure or bankruptcy. If the HOA is in any litigation, regardless of what it is, litigation documents will be required for review for securitization.<br>Reviewer Comment (2022-12-05): The HOA questionnaire provided is blank. |  |  | 12/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779996 | xxxxxx | 27400962 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-05): PDI received dated xxxxxx : No Damage | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779996 | xxxxxx | 27400971 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $54,270.22 is less than Cash From Borrower $58,586.94. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-09): The accounts in file are not sufficient to cover the funds to close. Funds to close are calculated as Funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the Final HUD/CD. Investor can elect to waive.<br>Reviewer Comment (2022-12-05): The borrower does not have sufficient funds to close. Appears the IRA account was not provided that is listed on the 1003 |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779996 | xxxxxx | 27400973 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Unit number is missing | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779996 | xxxxxx | 27400976 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779996 | xxxxxx | 27402325 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. HOI was not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779976 | xxxxxx | 27400128 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779976 | xxxxxx | 27402509 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): xxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779976 | xxxxxx | 27402514 | xxxxxx | xxxxxx | 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%. | 5% LTV deduction for FTI. Lender exception in file to be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780053 | xxxxxx | 27400586 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | City does not match. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 780053 | xxxxxx | 27400699 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 780053 | xxxxxx | 27402571 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM missing for primary residence (LOE provided) and subject property. Lender exception in file to be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 780053 | xxxxxx | 27402577 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural property with xxxxxx. Lender exception in file must be provided by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 779958 | xxxxxx | 27396358 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 779958 | xxxxxx | 27402701 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. HOI is not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 780062 | xxxxxx | 27400613 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-05): PDI received dated xxxxxx: No Damage | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780062 | xxxxxx | 27400629 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780062 | xxxxxx | 27401264 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only in file |  | Reviewer Comment (2022-12-01): Final SS provided | 12/01/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780062 | xxxxxx | 27401285 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Borrower on title < 12 months. Value estimate limited to the lessor of the original purchase price or the current appraised value. Lender exception in file to be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780062 | xxxxxx | 27401301 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Unit number is missing | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 779945 | xxxxxx | 27401690 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's Experience/Track Record | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 779945 | xxxxxx | 27402733 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 12 month VOM not provided. Lender exception in file to be approved by the investor. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 779945 | xxxxxx | 27402750 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. HOI is not escrowed. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 780017 | xxxxxx | 27402693 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Subordinate financing is not permitted on the subject property. |  | The 2nd mortgage financed at closing by the Seller has a term (maturity date xxxxxx of less than the minimum of 3 years required by guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-20): The client elects to waive.<br>Reviewer Comment (2022-12-09): Investor must approve and waive all exceptions. |  |  | 12/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780017 | xxxxxx | 27402703 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780017 | xxxxxx | 27410481 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. HOI was not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780047 | xxxxxx | 27402806 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-07): Client elects to waive |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780047 | xxxxxx | 27409872 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Lender exception in file for LOE from father for VOR on primary. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780047 | xxxxxx | 27409940 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per guidelines, taxes and insurance are required to be escrowed. HOI and Flood were not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780047 | xxxxxx | 27409953 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05):xxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779900 | xxxxxx | 27402667 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require a full 12 months of housing history; however, the file only contains 5 months of rental history for the primary residence and 11 months for the subject property. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779900 | xxxxxx | 27402718 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 638 is less than Guideline representative FICO score of 650. |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779900 | xxxxxx | 27402728 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779900 | xxxxxx | 27406433 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The VCC matrix indicates taxes and insurance need to be escrowed. However, only only HOI as escrowed. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779962 | xxxxxx | 27402326 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779962 | xxxxxx | 27402436 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779962 | xxxxxx | 27402445 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $36,086.07 is less than Cash From Borrower $37,538.42. |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779962 | xxxxxx | 27408304 | xxxxxx | xxxxxx | 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%. | Per the VCC matrix, 5% LTV deduction for FTI. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779946 | xxxxxx | 27406038 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779946 | xxxxxx | 27406144 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $114,060.78 is less than Cash From Borrower $114,863.47. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779946 | xxxxxx | 27406173 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779946 | xxxxxx | 27407237 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM for the primary residence is missing. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779946 | xxxxxx | 27407279 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): xxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779946 | xxxxxx | 27407299 | xxxxxx | xxxxxx | 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%. | Per the VCC matrix, there is a 5% LTV deduction off the max for FTI. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779907 | xxxxxx | 27403357 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779907 | xxxxxx | 27403370 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOR for the primary residence. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779907 | xxxxxx | 27403374 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 646 is less than Guideline representative FICO score of 650. |  | Borrower's Experience/Track Record | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779907 | xxxxxx | 27408414 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Borrower on title < 12 months: Value estimate limited to the lessor of the original purchase price or the current appraised value | Borrower's Experience/Track Record | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780071 | xxxxxx | 27402634 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): xxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780071 | xxxxxx | 27402754 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780071 | xxxxxx | 27408745 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per guidelines, taxes and insurance are required to be escrowed. HOI was not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780071 | xxxxxx | 27408817 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 65.00000% exceeds Guideline loan to value percentage of 60.00000%. | Per the VCC matrix, 5% LTV deduction for FTI | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779905 | xxxxxx | 27406277 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779905 | xxxxxx | 27406381 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 644 is less than Guideline representative FICO score of 650. |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779905 | xxxxxx | 27408853 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. HOI is not escrowed. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780035 | xxxxxx | 27402526 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): xxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780035 | xxxxxx | 27409121 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Release Provisions/Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx Has Release Provisions: No<br> Has Release Provisions: No | A partial release is not allowed according to the security instrument; loan must be paid in full to release any property securing the loan. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780035 | xxxxxx | 27409706 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Property Loan Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-08): Investor can elect to waive. A loan amount breakdown for each property is required. |  |  | 12/16/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780035 | xxxxxx | 27409725 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780035 | xxxxxx | 27410176 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. HOI was not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780035 | xxxxxx | 27410196 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM not provided for the lien paid through closing. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780035 | xxxxxx | 27410200 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR does not have the property address completed. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780035 | xxxxxx | 27410258 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Flood Cert for xxxxxx is missing the unit number |  | Reviewer Comment (2022-12-09): Updated flood cert provided | 12/09/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780035 | xxxxxx | 27410275 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The HO6 policy for xxxxxx is missing the unit number |  | Reviewer Comment (2022-12-09): Updated HO6 provided | 12/09/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780035 | xxxxxx | 27410289 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Provide the Blanket Policy. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-20): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-12-08): Investor will need to approve waiver |  |  | 12/20/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780035 | xxxxxx | 27410296 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The CDA for xxxxxx is missing the unit number; Appraisal for xxxxxx reflects a unit number. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed<br>Reviewer Comment (2022-12-09):xxxxxx did not request any orders. Investor can elect to waive |  |  | 12/16/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779963 | xxxxxx | 27402827 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The final HUD-1 reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the program matrix. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779963 | xxxxxx | 27402900 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779963 | xxxxxx | 27406636 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The VOM in file does not have the property address section completed nor sections 2, 3, 4, 5, 6, 7, 8, or 9. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-09): The VOM must be complete. Investor can elect to waive. |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779938 | xxxxxx | 27405415 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's Experience/Track Record. The borrower has 3 Years of Experience. Currently holds 5 Properties and has Completed 5 Properties. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B |  | A |  | N/A | No |
| xxxxxx | 780037 | xxxxxx | 27405809 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The final HUD-1/Closing Statement reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the program matrix. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-02): Client can elect to waive |  |  | 12/05/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780037 | xxxxxx | 27406229 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779902 | xxxxxx | 27404589 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779902 | xxxxxx | 27404675 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 640 is less than Guideline representative FICO score of 650. |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779902 | xxxxxx | 27409163 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-20): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-12-08): xxxxxx is the Borrowing Entity, therefore the HOI needs to reflect the Entity as insured. |  |  | 12/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780029 | xxxxxx | 27404385 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780029 | xxxxxx | 27407384 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. Only taxes were escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780029 | xxxxxx | 27407426 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Borrower on title < 12 months: Value estimate limited to the lessor of the original purchase price or the current appraised value | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780060 | xxxxxx | 27404309 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780060 | xxxxxx | 27404530 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): xxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780024 | xxxxxx | 27406210 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Provide the Perm Resident Card. |  | Reviewer Comment (2022-12-09): Updated 1003 and cert of naturalization provided for xxxxxx ciitzenship | 12/09/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780024 | xxxxxx | 27406225 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780024 | xxxxxx | 27406566 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Address: xxxxxx |  |  | Reviewer Comment (2022-12-09): Flood Policy provided | 12/09/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780024 | xxxxxx | 27406754 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Release Provisions/Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No | A partial release is not allowed according to the security instrument; loan must be paid in full to release any property securing the loan. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780024 | xxxxxx | 27406761 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Property Loan Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-08): Investor will need to elect to waive. Each property requires a loan amount allocation breakdown. |  |  | 12/09/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780024 | xxxxxx | 27410593 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the VCC matrix, taxes and insurance are required to be escrowed. HOI and Flood Insurance was not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780024 | xxxxxx | 27410599 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Property on xxxxxx: Borrower on title < 12 months: Value estimate limited to the lessor of the original purchase price or the current appraised value | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-13): Client elects to waive with verified compensation factors |  |  | 12/13/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780024 | xxxxxx | 27468302 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Flood Policy for xxxxxx does not reflect the Entity as insured. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-13): Client elects to waive with verified compensation factors |  |  | 12/13/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779989 | xxxxxx | 27416271 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Release Provisions/Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No | A partial release is not allowed according to the security instrument; loan must be paid in full to release any property securing the loan. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779989 | xxxxxx | 27416327 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779989 | xxxxxx | 27416941 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Property Loan Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx | An individual loan amount was not provided for each of the subject properties. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-08): The investor can elect to waive. A loan amount allocation for each property is required. |  |  | 12/09/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779989 | xxxxxx | 27417011 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Flood Certificate was not provided |  | 1 flood cert was provided. Does not reflect any unit numbers. |  | Reviewer Comment (2022-12-16): Additional corrected flood certs provided<br>Reviewer Comment (2022-12-13): The only flood certs provided that were correct with both address and unit number were for xxxxxx. The rest have the incorrect address. The address for all units is xxxxxx. We need the flood certs with the address xxxxxx for xxxxxx.<br>Reviewer Comment (2022-12-08): All the flood certs provided now reflect the incorrect address. The address for all properties is xxxxxx with different unit numbers | 12/16/2022 |  |  | 1 B A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779989 | xxxxxx | 27417203 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779989 | xxxxxx | 27417210 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM's for the subject properties. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-08): All exceptions must be approved by the investor |  |  | 12/16/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779989 | xxxxxx | 27417251 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxxxx Overlay: Any appraisal seasoned more than 6 months should be flagged as a credit condition. 1 recert of value for all properties was provided. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779937 | xxxxxx | 27410369 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2022-12-09): Ops Agreement provided | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779937 | xxxxxx | 27410370 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-12-09): COGS provided | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779937 | xxxxxx | 27410467 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The file is missing the verification of mortgage history for the most recent 12 months for the subject property. |  | Reviewer Comment (2022-12-09): Payoff reflects no payments due. Deferred until due on a 12 month term from mod date of xxxxxx 21 | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779937 | xxxxxx | 27410494 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779937 | xxxxxx | 27410504 | xxxxxx | xxxxxx | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The appraisal report completed the question regarding the property being listed in the last 12 months as Yes; however, there are comments that state the subject has not been listed. Appraisal report to be corrected. |  | Reviewer Comment (2022-12-14): Updated appraisal report provided<br>Reviewer Comment (2022-12-09): The condition does not pertain to occupancy but property listing. The appraisal report completed the question regarding the property being listed in the last 12 months as Yes; however, there are comments that state the subject has not been listed. Appraisal report to be corrected. | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779937 | xxxxxx | 27415910 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed. | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780038 | xxxxxx | 27409075 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-12-09): FTP provided | 12/09/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780038 | xxxxxx | 27409082 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-12-09): FTP provided | 12/09/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780038 | xxxxxx | 27409088 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780038 | xxxxxx | 27418359 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780038 | xxxxxx | 27419082 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  |  |  | Reviewer Comment (2022-12-07): Updated HOI provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780038 | xxxxxx | 27419270 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780038 | xxxxxx | 27419278 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780038 | xxxxxx | 27419322 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): xxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780022 | xxxxxx | 27410634 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-04): Client elects to waive |  |  | 12/04/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780022 | xxxxxx | 27431718 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject is missing proof of 8/2022 payment. Lender exception in file to be approved by the investor. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779901 | xxxxxx | 27409723 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-08): Investor is accepting the documentation in file as-is | 12/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779901 | xxxxxx | 27410023 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 638 is less than Guideline representative FICO score of 650. |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779901 | xxxxxx | 27410039 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779901 | xxxxxx | 27416105 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Guideline Issue: Derogatory mortgage payments outside of credit guidelines |  | 3x30x12. Lender exception in file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779934 | xxxxxx | 27410150 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-16): PDI received dated xxxxxx : No Damage | 12/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779934 | xxxxxx | 27410164 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779934 | xxxxxx | 27419963 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  | Borrower's Experience/Track Record | Reviewer Comment (2022-12-20): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-12-18): The investor must approve the exceptions. |  |  | 12/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779934 | xxxxxx | 27420408 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City on HO6 does not match |  | Reviewer Comment (2022-12-16): Updated HO6 provided | 12/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780072 | xxxxxx | 27409685 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-04): Client elects to waive |  |  | 12/04/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780072 | xxxxxx | 27409724 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Note address reflects street as xxxxxx. Hazard insurance document reflects the street as "xxxxxx". | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed<br>Reviewer Comment (2022-12-09): The updated HOI with Circle now has the incorrect zip code. Per Note, zip code is xxxxxx. Updated HOI reflects xxxxxx |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780072 | xxxxxx | 27431719 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI was not escrowed | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779974 | xxxxxx | 27412757 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance policy reflects coverage of xxxxxx ; however, the appraisal reflects the estimated cost new as xxxxxx and the loan amount is xxxxxx . The insurance is short coverage of $51,550. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-20): The client elects to waive.<br>Reviewer Comment (2022-12-14): A search on google is not acceptable. The guidelines must be followed on page 55. Provide the RCE or investor will need to elect to waive. |  |  | 12/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779974 | xxxxxx | 27412772 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-12-19): The final title policy was provided. | 12/19/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779974 | xxxxxx | 27412775 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  | Reviewer Comment (2022-12-19): The final title policy was provided. | 12/19/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779974 | xxxxxx | 27412777 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779974 | xxxxxx | 27416155 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779974 | xxxxxx | 27416188 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Borrower on title < 12 months: Value estimate limited to the lessor of the original purchase price or the current appraised value | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-14): The investor must approve all exceptions |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779992 | xxxxxx | 27416406 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-12-21): Received final title | 12/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779992 | xxxxxx | 27416425 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-04): Client elects to waive |  |  | 12/04/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779992 | xxxxxx | 27416534 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-12-16): COGS provided<br>Reviewer Comment (2022-12-15): The document is not dated | 12/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779992 | xxxxxx | 27431721 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI was not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779992 | xxxxxx | 27431722 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a clear title policy. Appears cross collateral loan being paid off between two loans. |  | Reviewer Comment (2022-12-21): Received | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779975 | xxxxxx | 27409747 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-12-21): Received final title | 12/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779975 | xxxxxx | 27409749 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-12-04): Client elects to waive |  |  | 12/04/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779975 | xxxxxx | 27431723 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a clear title policy. Appears cross collateral loan being paid off between two loans. |  | Reviewer Comment (2022-12-21): Received | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779975 | xxxxxx | 27431726 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779918 | xxxxxx | 27413342 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance policy coverage is xxxxxx ; however, the appraisal report reflects the estimated cost new as xxxxxx and the loan amount is xxxxxx . The insurance coverage is short $13,750. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-20): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-12-19): the corrected policy received has an effective date of xxxxxx which is after the Note date of xxxxxx Please provide evidence of sufficient HOI coverage at the time of the closing. |  |  | 12/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779918 | xxxxxx | 27413365 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-12-09): FTP provided | 12/09/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779918 | xxxxxx | 27413391 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-12-09): FTP provided | 12/09/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779918 | xxxxxx | 27413493 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779918 | xxxxxx | 27416353 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Guideline Issue: Derogatory mortgage payments outside of credit guidelines |  | 1x30x12. 30 day late in the last 90 days. Lender exception in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779918 | xxxxxx | 27416405 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780001 | xxxxxx | 27415744 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-12-21): Received final title | 12/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780001 | xxxxxx | 27415747 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780001 | xxxxxx | 27415774 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | Tax lien by City of xxxxxx in original amount of xxxxxx shown on Title; No evidence of payoff/lien release and payoff not included on Closing Statement; Delinquent taxes on title for xxxxxx with no evidence of payment. |  | Reviewer Comment (2022-12-21): Received clear final title<br>Reviewer Comment (2022-12-16): The tax cert provided reflects taxes are still open. Further, tax lien document doe snot match book or page from the title. Provide the clear title search or FTP. | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780001 | xxxxxx | 27431727 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided |  | Notary commission expiration is missing |  | Reviewer Comment (2022-12-19): Received recorded DOT | 12/19/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780001 | xxxxxx | 27431728 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Provide the SSN verification. |  | Reviewer Comment (2022-12-05): xxxxxx is willing to accept the seller's methodology for clearing OFAC/SSN. | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780052 | xxxxxx | 27410220 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-08): PDI received dated xxxxxx: No Damage | 12/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780052 | xxxxxx | 27410236 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-04): Client elects to waive |  |  | 12/04/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780052 | xxxxxx | 27431720 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI was not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779961 | xxxxxx | 27415017 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-04): Client elects to waive |  |  | 12/04/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779961 | xxxxxx | 27415225 | xxxxxx | xxxxxx | 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%. | 5% LTV deduction for xxxxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-05): Client elects to waive with verified compensation factors |  |  | 12/05/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779988 | xxxxxx | 27417621 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779988 | xxxxxx | 27417648 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Chapter 7 and/or 11 bankruptcy was not dismissed 2 years prior to the closing date. |  | The guidelines require a 2-year time period from dismissal date; however, the bankruptcy was dismissed in xxxxxx 20 and the loan closed on xxxxxx which is not a full 2 years. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779988 | xxxxxx | 27437629 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779988 | xxxxxx | 27437636 | xxxxxx | xxxxxx | 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%. | 5% LTV deduction for FTI | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779981 | xxxxxx | 27427566 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Final signed HUD-1 not provided; document in file is estimated. |  | Reviewer Comment (2022-12-15): Final SS provided | 12/15/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 779981 | xxxxxx | 27427753 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-20): The client elects to waive. |  |  | 12/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 779981 | xxxxxx | 27427864 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 779981 | xxxxxx | 27434161 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 779981 | xxxxxx | 27434259 | xxxxxx | xxxxxx | 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%. | 5% LTV deduction for xxxxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 779981 | xxxxxx | 27434260 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B |  | A |  | N/A | No |
| xxxxxx | 780018 | xxxxxx | 27421484 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 780018 | xxxxxx | 27434338 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the subject property. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 780018 | xxxxxx | 27434367 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is no escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 779955 | xxxxxx | 27417125 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B |  | A |  | N/A | No |
| xxxxxx | 779956 | xxxxxx | 27416939 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  | The appraisal reflects the property is a xxxxxx; however, the file does not contain a xxxxxx Rider. |  | Reviewer Comment (2022-12-08): Condo rider provided | 12/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779956 | xxxxxx | 27417026 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779956 | xxxxxx | 27417040 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Charge-offs / Balance: xxxxxx, Credit Report: Original // Public Record Type: Charge-offs / Balance: xxxxxx, Credit Report: Original // Public Record Type: Charge-offs / Balance: xxxxxx, Credit Report: Original // Public Record Type: Charge-offs / Balance: xxxxxx | The guidelines allow up to xxxxxx in collection and/or charge-offs to remain open. The borrowers have a total of xxxxxx in charge-off accounts that are still open and were not paid off at closing. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779956 | xxxxxx | 27417075 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The final HUD-1 reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the program matrix. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779986 | xxxxxx | 27417533 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779986 | xxxxxx | 27437324 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Less than 12 months of housing history was provided for the subject property and primary residence. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780009 | xxxxxx | 27432932 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780009 | xxxxxx | 27432986 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779967 | xxxxxx | 27417951 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B |  | A |  | N/A | No |
| xxxxxx | 780013 | xxxxxx | 27434219 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The Closing Statement reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the program matrix. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780013 | xxxxxx | 27434637 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The file is missing the mortgage history for the property located on xxxxxx. The payoff reflects the current payment due date is xxxxxx ; however, borrower purchased the property in xxxxxx 22; therefore, the mortgage history from xxxxxx 22 through xxxxxx is required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780013 | xxxxxx | 27435055 | xxxxxx | xxxxxx | 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%. | The program matrix requires a 5% reduction in LTV when the borrower is a First Time Investor. The borrower has only owned an investment property for 6 months; therefore, does not meet the Experienced Investor requirements. The loan closed with an LTV of 75%; however, with the LTV reduction, the maximum LTV is 70%. The approval reflects there is a Lender exception for the LTV; however, the file is missing an Investor exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780013 | xxxxxx | 27435068 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780013 | xxxxxx | 27435241 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Release Provisions/Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No | A partial release is not allowed according to the security instrument; loan must be paid in full to release any property securing the loan. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780013 | xxxxxx | 27437877 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Borrower on title < 12 months; Value estimate limited to the lessor of the original purchase price or the current appraised value | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-13): Client elects to waive with verified compensation factors |  |  | 12/13/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779922 | xxxxxx | 27425457 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The final HUD-1 reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the program matrix. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779922 | xxxxxx | 27427902 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779922 | xxxxxx | 27437907 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The Blanket Policy does not reflect the subject property address. |  | Reviewer Comment (2022-12-08): Updated blanket provided | 12/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780067 | xxxxxx | 27432963 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780067 | xxxxxx | 27437955 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Flood Insurance was not escrowed. | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779998 | xxxxxx | 27433766 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 779998 | xxxxxx | 27433808 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Final closing statement was not provided or executed. |  | Reviewer Comment (2022-12-13): Final signed SS provided | 12/13/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 779998 | xxxxxx | 27436610 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 779998 | xxxxxx | 27437531 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 780020 | xxxxxx | 27434168 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | C B |  | N/A | No |
| xxxxxx | 780020 | xxxxxx | 27434178 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Address: xxxxxx, Address: xxxxxx Most Recent Valuation Inspection date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx <br> Disaster End date: xxxxxx <br> Most Recent Valuation Inspection date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx <br> Disaster End date: xxxxxx |  |  | Reviewer Comment (2022-12-27): PDI's received dated xxxxxx , xxxxxx , and xxxxxx : No Damage<br>Reviewer Comment (2022-12-23): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Address: xxxxxx, Address: xxxxxx, Address: xxxxxx<br> EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Most Recent Valuation Inspection Date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx <br> Most Recent Valuation Inspection Date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx <br> Most Recent Valuation Inspection Date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx <br>Reviewer Comment (2022-12-19): Received PDI for Van Buren. Still need PDI for xxxxxx. | 12/27/2022 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | C B |  | N/A | No |
| xxxxxx | 780020 | xxxxxx | 27434180 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Release Provisions/Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No | A partial release is not allowed according to the security instrument; loan must be paid in full to release any property securing the loan. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | C B |  | N/A | No |
| xxxxxx | 780020 | xxxxxx | 27434183 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Property Loan Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Has Release Provisions: No<br> Has Release Provisions: No<br> Has R |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-09): Investor can elect to waive. A loan amount must be provided for each property. |  |  | 12/09/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | C B |  | N/A | No |
| xxxxxx | 780020 | xxxxxx | 27434194 | xxxxxx | xxxxxx | Property | Collateral | General | Collateral | Subject is not in average or better condition. | Address: xxxxxx // Valuation Type: Appraisal / Valuation Report date: xxxxxx Property Condition:<br> C5 |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-27): Client elects to waive<br>Appraiser states C$ no recent updates. The Subject property is in average condition, there is no immediate preventative maintenance required, no functional obsolescence and not unfavorable external factors<br>Reviewer Comment (2022-12-27): 442 showing updated made and condition changing from c5 to c4 .<br>Reviewer Comment (2022-12-27): The only document uploaded on xxxxxx were solo pictures. There is no 1004D in the file. Please try uploading again.<br>Reviewer Comment (2022-12-23): No additional documents were received. Please try resending.<br>Reviewer Comment (2022-12-09): The appraiser would need to review the updates and deem if the property condition is higher than C5. The UW cannot make this determination. Securitization does not allow C5 property ratings and this condition cannot be waived. |  |  | 12/27/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | C B |  | N/A | No |
| xxxxxx | 780020 | xxxxxx | 27434295 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Hazard Insurance was not escrowed on the HUD as required by guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | C B |  | N/A | No |
| xxxxxx | 780045 | xxxxxx | 27433580 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780045 | xxxxxx | 27433626 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2022-12-21): HOA Questionnaire is not required per guidelines<br>Reviewer Comment (2022-12-20): Per seller: A questionnaire was not provided. An email from the HOA was provided stating there was no litigation at the property. Please have xxxxxx review.<br>Reviewer Comment (2022-12-19): HOA Questionnaire was not found.<br>Reviewer Comment (2022-12-14): The investor must approve any exceptions | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780045 | xxxxxx | 27437474 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  |  |  | Reviewer Comment (2022-12-14): Rider provided | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780045 | xxxxxx | 27437522 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI was not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780045 | xxxxxx | 27445137 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Reflects xxxxxx |  | Reviewer Comment (2022-12-14): Updated flood cert provided | 12/14/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780048 | xxxxxx | 27435420 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI and Flood Insurance not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780048 | xxxxxx | 27435426 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-14): PDI received dated xxxxxx: No Damage | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780048 | xxxxxx | 27435459 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780048 | xxxxxx | 27446254 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR LOE provided by borrower's father for primary. Payments not verified. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780048 | xxxxxx | 27446304 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Per VCC, property is considered rural. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780025 | xxxxxx | 27435108 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780025 | xxxxxx | 27435277 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the borrower's primary residence. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780025 | xxxxxx | 27435722 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Last 4 of zip code do not match | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780025 | xxxxxx | 27447999 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-Perm Resident per docs in file: Provide the updated 1003 and the borrower's VISA. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-13): Updated application provided. Investor needs to approve the waiver of Visa. |  |  | 12/15/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779897 | xxxxxx | 27434013 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779897 | xxxxxx | 27434077 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 630 is less than Guideline representative FICO score of 650. |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780050 | xxxxxx | 27435941 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780050 | xxxxxx | 27446809 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779894 | xxxxxx | 27436575 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779894 | xxxxxx | 27436605 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 620 is less than Guideline representative FICO score of 650. |  | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779917 | xxxxxx | 27437570 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The Closing Statement reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the program matrix. | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779917 | xxxxxx | 27437706 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name:xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-13): PDI receive dated xxxxxx : No Damage | 12/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779917 | xxxxxx | 27437714 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779917 | xxxxxx | 27448673 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Borrower on title < 12 months<br> Ø Value estimate limited to the lessor of the original purchase price or the current appraised value | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-13): The investor must approve all exceptions |  |  | 12/13/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780016 | xxxxxx | 27437160 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780016 | xxxxxx | 27437519 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-08): PDI received dated xxxxxx: No Damage | 12/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779993 | xxxxxx | 27437695 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779993 | xxxxxx | 27448197 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI and Flood Insurance not escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779993 | xxxxxx | 27448228 | xxxxxx | xxxxxx | 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%. | 5% LTV deduction for FTI | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779911 | xxxxxx | 27437759 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779911 | xxxxxx | 27437829 | xxxxxx | xxxxxx | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Withdrawn xxxxxx : Eligible for R/T only as well as lowest value is the listing price of xxxxxx which was not utilized to qualify and required per guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-14): The investor must approve all exceptions |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779911 | xxxxxx | 27447026 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the subject property. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-14): The investor must approve all exceptions |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779949 | xxxxxx | 27437628 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779949 | xxxxxx | 27445091 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the second lien paid through closing. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779939 | xxxxxx | 27436181 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779939 | xxxxxx | 27445228 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the primary residence | Borrower's Experience/Track Record | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779965 | xxxxxx | 27435979 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779965 | xxxxxx | 27435983 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-12-21): Received final title | 12/21/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779965 | xxxxxx | 27448250 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779965 | xxxxxx | 27448282 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the correct Trust as insured. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779965 | xxxxxx | 27448349 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is a mortgage lien on title (item 12b) that was not paid through closing. |  | Reviewer Comment (2022-12-21): Received final title reflecting only subject mortgage | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779965 | xxxxxx | 27448355 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | Items 12 f, g, h reflect municipal liens not paid through closing. |  | Reviewer Comment (2022-12-21): Received final title policy only reflecting subject mortgage | 12/21/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779923 | xxxxxx | 27436235 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require a full 12 month rental history for the borrower's primary residence. The file contains one application that reflects the borrower has rented their primary residence for 1 year; however, the file contains another application that reflects 0.5 years. The file only contains 2 months of verification for the current address listed on the applications. |  | Reviewer Comment (2022-12-15): Provide the updated application as it currently reflects living in at the primary residence for 2 years. (provided in trailing documents). | 12/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779923 | xxxxxx | 27436277 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779923 | xxxxxx | 27437159 | xxxxxx | xxxxxx | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The asset/income documentation does not show the borrower(s) at an address different than the subject property. |  | The file contains a bank statement that reflects the borrower's address as the subject property. |  | Reviewer Comment (2022-12-15): Borrower LOE and Lease provided for new primary. | 12/15/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779923 | xxxxxx | 27448751 | xxxxxx | xxxxxx | Credit | Investment Product | General | Investment Product | Documentation signed by the borrower stating the purpose for the Cash-Out was not found and is required. |  | The file contains a letter of explanation (LOE) indicating the cash out received from the transaction will be used to payoff credit cards. The LOE does not indicate whether the credit card debt is for business or personal accounts. It cannot be determined if the loan is being used for business or personal use. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-15): The use of funds needs to be established. The LOE from the borrower states he is using it to payoff credit cards. If they are personal debt, then the loan would not qualify for DSCR. Investor can elect to waive with valid comp factors. |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779923 | xxxxxx | 27448764 | xxxxxx | xxxxxx | 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%. | 5% LTV deduction for xxxxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780003 | xxxxxx | 27444418 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Hazard Insurance was not escrowed on the HUD as required by guidelines. | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780003 | xxxxxx | 27444445 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780039 | xxxxxx | 27444510 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The Closing Statement reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the program matrix. Please note, the Closing Statement reflects insurance is escrowed not taxes; however, the amount that is being escrowed of $xxxxxx for 10 months is the property taxes not the insurance amount. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C A |  | N/A | No |
| xxxxxx | 780039 | xxxxxx | 27444802 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The hazard insurance policy provided did not provide the insurance premium for the subject property. |  | Reviewer Comment (2022-12-16): Updated HOI provided<br>Reviewer Comment (2022-12-14): The HOI provided only reflects the annual premium and coverage for for xxxxxx. We need the premium or breakdown for the subject property. The HOI reflects see attached coverage info but nothing was provided. | 12/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C A |  | N/A | No |
| xxxxxx | 780039 | xxxxxx | 27444883 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines requires a full 12 month mortgage history for the guarantor's primary residence. The file contains a closing statement that the primary residence was purchased with cash; however, the property report verifies there is a commercial loan in the amount of xxxxxx that has not been released. Provide the full 12 month of housing history or documentation that the loan has been paid in full prior to the most recent 12 months. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-16): The investor must approve all exceptions.<br>Reviewer Comment (2022-12-14): No new documents were provided for this condition. Provide the 12 month mortgage history for the primary residence or evidence Free and clear. Property profile report reflects a commercial lien in the amount of $3.5MIL |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C A |  | N/A | No |
| xxxxxx | 780039 | xxxxxx | 27444917 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of xxxxxx is greater than Guideline maximum loan amount of xxxxxx. | The subject property is a xxxxxx. The program matrix only allows for a maximum loan amount of xxxxxx for a xxxxxx. The loan closed with a loan amount of xxxxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C A |  | N/A | No |
| xxxxxx | 780039 | xxxxxx | 27444970 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The flood certificate reflects the address a xxxxxx; however, the note and security instrument reflects the address as xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C A |  | N/A | No |
| xxxxxx | 780039 | xxxxxx | 27444972 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-12-14): FTP provided | 12/14/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C A |  | N/A | No |
| xxxxxx | 780039 | xxxxxx | 27444975 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-12-14): FTP provided | 12/14/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C A |  | N/A | No |
| xxxxxx | 780039 | xxxxxx | 27444980 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C A |  | N/A | No |
| xxxxxx | 780039 | xxxxxx | 27445039 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the operating agreement, the business entity that owns the borrowing business entity is xxxxxx. The file does not contain the required operating agreement or complete member list and their ownership interests. The approval reflects the xxxxxx is owned by xxxxxx which is owned by the guarantor; however, the file does not contain the trust documentation to verify ownership. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-20): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-12-16): The Investor needs to approve all exceptions<br>Reviewer Comment (2022-12-14): Cert of formation and consent provided for xxxxxx. Pending receipt of Trust Agreement for xxxxxx which owns xxxxxx per the Operating Agreement. |  |  | 12/20/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C A |  | N/A | No |
| xxxxxx | 780039 | xxxxxx | 27448810 | xxxxxx | xxxxxx | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type. | Valuation Type: Appraisal / Valuation Report date: xxxxxx xxxxxx |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C A |  | N/A | No |
| xxxxxx | 780039 | xxxxxx | 27448902 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. |  | Primary appraisal reflects xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-20): The property is a site Condo and both appraisal forms are acceptable.<br>Reviewer Comment (2022-12-16): The initial appraisal makes no mention of a xxxxxx (which is a xxxxxx which can be completed on a 1004 or 1073.) A fully completed second appraisal cannot be ignored. The primary appraisal will need to be updated to reflect/mention property is a condo. | 12/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | C A |  | N/A | No |
| xxxxxx | 779968 | xxxxxx | 27444650 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx |  | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779968 | xxxxxx | 27444863 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Release Provisions/Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No<br> Has Release Provisions: No | A partial release is not allowed according to the security instrument; loan must be paid in full to release any property securing the loan. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx |  | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779968 | xxxxxx | 27447247 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Property Loan Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address:xxxxxx, Address: xxxxxx, Address: xxxxxx |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx |  | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780011 | xxxxxx | 27444896 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide Verification of Mortgage (VOM), for the subject property. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-15): The investor needs to approve all exceptions. |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780011 | xxxxxx | 27444909 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780011 | xxxxxx | 27448393 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780011 | xxxxxx | 27448406 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780032 | xxxxxx | 27438345 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780032 | xxxxxx | 27438349 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of xxxxxx. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780032 | xxxxxx | 27445353 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note/DOT/CDA/CPL reflect "xxxxxx" vs. Appraisal/Flood Cert/HOI/Title which reflect "xxxxxx". | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779954 | xxxxxx | 27438248 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779954 | xxxxxx | 27438249 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Release Provisions/Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx Has Release Provisions: No<br> Has Release Provisions: No | A partial release is not allowed according to the security instrument; loan must be paid in full to release any property securing the loan. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779954 | xxxxxx | 27438250 | xxxxxx | xxxxxx | Credit | Document Error | General | Document Error | Property Loan Amount was not provided and required by guidelines. | Address: xxxxxx, Address: xxxxxx Has Release Provisions: No<br> Has Release Provisions: No |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779954 | xxxxxx | 27445391 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779954 | xxxxxx | 27445445 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Appraisal and CDA do not reflect the xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors |  |  | 12/16/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779954 | xxxxxx | 27445520 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxxxx is not refelcted | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 C B | xxxxxx |  | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779966 | xxxxxx | 27446062 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-09): Client elects to waive |  |  | 12/09/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B |  | A |  | N/A | No |
| xxxxxx | 779991 | xxxxxx | 27445545 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-12-16): COGs provided<br>Reviewer Comment (2022-12-15): The document is not dated | 12/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779991 | xxxxxx | 27445604 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-07): Client elects to waive |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779991 | xxxxxx | 27445627 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780002 | xxxxxx | 27446225 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Valuation City does not match Note. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780002 | xxxxxx | 27446248 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-09): Client elects to waive |  |  | 12/09/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780002 | xxxxxx | 27454802 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780046 | xxxxxx | 27446207 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-07): Client elects to waive |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780046 | xxxxxx | 27454868 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOR for the primary residence. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780046 | xxxxxx | 27454875 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780046 | xxxxxx | 27454924 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $61,904.64 is less than Cash From Borrower $385,437.06. |  |  | Reviewer Comment (2022-12-13): Additional deposit and bank statement provided | 12/13/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779959 | xxxxxx | 27446882 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-07): Client elects to waive |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779959 | xxxxxx | 27454971 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780042 | xxxxxx | 27446317 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-09): Client elects to waive |  |  | 12/09/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B |  | A |  | N/A | No |
| xxxxxx | 779912 | xxxxxx | 27447361 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert address does not match the Note |  | Reviewer Comment (2022-12-14): Updated flood cert provided | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | B |  | N/A | No |
| xxxxxx | 779912 | xxxxxx | 27447380 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-07): Client elects to waive |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | B |  | N/A | No |
| xxxxxx | 779912 | xxxxxx | 27455462 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only in file |  | Reviewer Comment (2022-12-20): The Final stamped HUD was provided.<br>Reviewer Comment (2022-12-19): Received same closing statement as before. The document must be signed by borrowers and or stamped/certified by settlement agent.<br>Reviewer Comment (2022-12-19): The final HUD provided was not signed and/or stamped by the Title Agent. | 12/20/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | B |  | N/A | No |
| xxxxxx | 779912 | xxxxxx | 27455492 | xxxxxx | xxxxxx | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The appraisal revealed property damage. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Noted repairs needed for xxxxxx in xxxxxx with a cost to cure of approximately $10,000. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-07): Client elects to waive<br>Appraiser indicated xxxxxx required estimated cost $10,000 or < 1% of the appraised value. Appraiser states there are no physical deficiencies or adverse conditions that affect livability, soundness or structural integrity of the property |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | B |  | N/A | No |
| xxxxxx | 779913 | xxxxxx | 27448297 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $74,061.19. | Only non-borrowing accounts, which still do not cover the cash to close and cannot be utilized, were included in the file. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779913 | xxxxxx | 27448301 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779913 | xxxxxx | 27459973 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | Borrower's Experience/Track Record | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779931 | xxxxxx | 27448918 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, an escrow account for taxes and HOI must be established at closing for all loans. Per closing statement, an escrow account was established; however, it was only for taxes and did not include HOI, as required by guidelines. | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779931 | xxxxxx | 27448927 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779931 | xxxxxx | 27460152 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779931 | xxxxxx | 27460164 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR is not from a management company and cancelled checks were not provided. | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779927 | xxxxxx | 27447418 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779927 | xxxxxx | 27460362 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | Borrower's Experience/Track Record | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779895 | xxxxxx | 27448404 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Hazard Insurance was not escrowed on the HUD as required by guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779895 | xxxxxx | 27448521 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The +4 digits of the zip code do not match. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors<br>Assessor Parcel Number confirmed |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779895 | xxxxxx | 27448535 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779895 | xxxxxx | 27448562 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 628 is less than Guideline representative FICO score of 650. |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779895 | xxxxxx | 27460450 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the primary residence. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779895 | xxxxxx | 27460458 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779909 | xxxxxx | 27448529 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 648 is less than Guideline representative FICO score of 650. |  | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779909 | xxxxxx | 27448534 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM not provide for primary residence or subject property. | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779909 | xxxxxx | 27448618 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779909 | xxxxxx | 27460608 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  |  | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779909 | xxxxxx | 27460611 | xxxxxx | xxxxxx | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects xxxxxx | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors |  |  | 12/16/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779943 | xxxxxx | 27447235 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779943 | xxxxxx | 27460674 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  |  |  | Reviewer Comment (2022-12-14): Bylaws provided<br>Reviewer Comment (2022-12-09): No new documents received. Provide the Bylaws as required per guidelines. | 12/14/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779943 | xxxxxx | 27460682 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per guidelines, an escrow account for property taxes and HOI must be established at closing. The final closing statement only reflects that an escrow account was established for property taxes, which does not meet guideline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779953 | xxxxxx | 27447749 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | B |  | N/A | No |
| xxxxxx | 779953 | xxxxxx | 27460786 | xxxxxx | xxxxxx | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Exception: |  | HOA is in litigation. The HOA is litigation is for a foreclosure action against another unit. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-08): Client elects to waive<br>Litigation is not applicable for the subject unit rather for a foreclosure action for another unit and unpaid condo assessments<br>Reviewer Comment (2022-12-08): Escalated for downgrade already. Will update file once decision is received. |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | B |  | N/A | No |
| xxxxxx | 779953 | xxxxxx | 27460807 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Guideline Issue: Derogatory mortgage payments outside of credit guidelines |  | 1x60x12 on the credit report. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | B |  | N/A | No |
| xxxxxx | 779953 | xxxxxx | 27460842 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | B |  | N/A | No |
| xxxxxx | 780012 | xxxxxx | 27448991 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Flood Insurance and Property taxes were not escrowed on the HUD as required by guidelines. | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780012 | xxxxxx | 27449032 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Policy number is not provided. |  | Flood insurance documentation provided is only an application for insurance and not a policy with a policy number. | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780012 | xxxxxx | 27449040 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxxx approved guidelines. | The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780061 | xxxxxx | 27448733 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive |  |  | 12/08/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780061 | xxxxxx | 27461233 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | xxxxxx considers property rural. Lender exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781383 | xxxxxx | 27394154 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | 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. | Reviewer Comment (2022-11-29): Client elects to waive |  |  | 11/29/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781383 | xxxxxx | 27395116 | xxxxxx | xxxxxx | Credit | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Possible xxxxxx violation, appraisal is not complete and may not offer substantial backing for value. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Investor exception request in file for appraiser not able to inspect xxxxxx/provide photos. Provide the approved exception with comp 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 owned the subject property for at least 5 years. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-01): Com factors are incorrect. Credit score is not 30 + points above minimum. Loan was reviewed to 11.2022 matrix which requires a 5% LTV deduction off the max for State of xxxxxx. Minimum FICO is 660 (max 70% LTV for C/O with 5% deduction is 65%). Borrower is at a 679 FICO. |  |  | 12/01/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781383 | xxxxxx | 27395204 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the mortgage statement for the borrower's primary residence on xxxxxx, there is a deferred balance of $7,721.01. Forbearance, loan modification, or deferrals (including COVID-19 related events) completed or reinstated within 12 months of the Note date of the subject transaction are not eligible xxxxxx – DSCR. Further, deferral documents for this property were not provided. |  | Reviewer Comment (2022-12-16): Modification provided for primary. Balance as of 5/2020. Investor overlays no longer considered a housing event but housing history now. Per agreement, deferral balance is added to the balance of the loan due at maturity or interest bearing. Paying history in file is reflects 0x30x12. Investor overlays for deferrals > 12 months from the Note date are allowed as long as they are completed and re-instated with a current 0x30x12 history.<br>Reviewer Comment (2022-12-02): The pay history does not address the deferred amount. We need to see the deferral agreement. If within the past 12 months of the note date it has been re-instated, this is not eligible for DSCR. Also, will need evidence this balance was paid otherwise these will be considered lates.<br>Reviewer Comment (2022-12-01): The documents provided are for the property on xxxxxx. Please review the original condition. This is pertaining to the borrower's primary residence on xxxxxx. | 12/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781385 | xxxxxx | 27394142 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | 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. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781385 | xxxxxx | 27395280 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the mortgage statement for the borrower's primary residence on xxxxxx, there is a deferred balance of $7,721.01. Forbearance, loan modification, or deferrals (including COVID-19 related events) completed or reinstated within 12 months of the Note date of the subject transaction are not eligible xxxxxx – DSCR. Further, deferral documents for this property were not provided. |  | Reviewer Comment (2022-12-16): Modification provided for primary. Balance as of 5/2020. Investor overlays no longer considered a housing event but housing history now. Per agreement, deferral balance is added to the balance of the loan due at maturity or interest bearing. Paying history in file is reflects 0x30x12. Investor overlays for deferrals > 12 months from the Note date are allowed as long as they are completed and re-instated with a current 0x30x12 history.<br>Reviewer Comment (2022-12-02): The pay history does not address the deferred amount. We need to see the deferral agreement. If within the past 12 months of the note date it has been re-instated, this is not eligible for DSCR. Also, will need evidence this balance was paid otherwise these will be considered lates.<br>Reviewer Comment (2022-12-01): The documents provided are for the property on xxxxxx. Please review the original condition. This is pertaining to the borrower's primary residence on xxxxxx. | 12/16/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781291 | xxxxxx | 27395159 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-30): Client elects to waive |  |  | 11/30/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 781291 | xxxxxx | 27395254 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2022-12-06): Final HUD provided | 12/06/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 781291 | xxxxxx | 27400296 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First Time Investors are not allowed on C/O transactions. The borrower lived in the subject property up until 7 months ago. | 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. | Reviewer Comment (2022-12-13): Client elects to waive with verified compensation factors |  |  | 12/13/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 781291 | xxxxxx | 27400312 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | The Final xxxxxx lement Statement is missing. |  | Reviewer Comment (2022-12-06): Final HUD-1 provided | 12/06/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B |  | A |  | N/A | No |
| xxxxxx | 781142 | xxxxxx | 27401233 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-01): Client elects to waive. PDI completed prior to disaster end date. |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781142 | xxxxxx | 27401349 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | FTI must be 0x30x36. Borrower is 3x30x36. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-07): This cannot be cleared as it does not meet the guideline requirement. If you would like to waive it, provide an exception form and it can be escalated to the investor. |  |  | 12/08/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781142 | xxxxxx | 27401358 | xxxxxx | xxxxxx | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2022-12-07): Updated commitment provided | 12/07/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781142 | xxxxxx | 27401359 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781142 | xxxxxx | 27401480 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-12-07): Approval provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781142 | xxxxxx | 27404989 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | Per guidelines, ineligible property types are properties not classified as Rural > xxxxxx. Property is xxxxxx on xxxxxx. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781142 | xxxxxx | 27405130 | xxxxxx | xxxxxx | 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%. | DSCR < 0.75, max LTV is 70%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-08): The xxxxxx rental is the only lease being transferred. Primary dwelling is xxxxxx (purchase). 1007 rents can be utilized. DSCR > 1.000. Max LTV 75%.<br>Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors | 12/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780080 | xxxxxx | 27401749 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The flood certificate is missing xxxxxx. |  | Reviewer Comment (2022-12-05): Updated flood cert provided | 12/05/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780080 | xxxxxx | 27401756 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-01): Client elects to waive |  |  | 12/01/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781902 | xxxxxx | 27407948 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $100,193.19 is less than Cash From Borrower $153,066.01. | Business funds provided for assets. Borrower is only 34.60% owner of the business which can only be utilized to qualify per guidelines. Full access letter from the other members has no bearing on this as the guidelines are specific and do not allow full access letter in lieu of. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-14): Client elects to waive with verified compensation factors |  |  | 12/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781902 | xxxxxx | 27407952 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781902 | xxxxxx | 27407967 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 4.00. | Business funds provided for assets. Borrower is only 34.60% owner of the business which can only be utilized to qualify per guidelines. Full access letter from the other members has no bearing on this as the guidelines are specific and do not allow full access letter in lieu of. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-14): Client elects to waive with verified compensation factors |  |  | 12/14/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781357 | xxxxxx | 27407662 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-12-07): Approval provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781357 | xxxxxx | 27408083 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-02): Client elects to waive |  |  | 12/02/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781357 | xxxxxx | 27408191 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-09): Client elects to waive with verified comp factors<br>Reviewer Comment (2022-12-07): This does not meet the lender's guideline requirements.<br>Reviewer Comment (2022-12-07): PDI was completed on xxxxxx by a 3rd party who specializes in REO Services. |  |  | 12/09/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781357 | xxxxxx | 27414693 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require sourcing and documentation of any unusually large deposits. LOE was provided for xxxxxx on xxxxxx stating xxxxxx was sold, however no supporting documentation was provided. Further, there was a $9,000 deposit on xxxxxx that was not sourced and documented. |  | Reviewer Comment (2022-12-07): Bill of Sale for xxxxxx provided<br>Reviewer Comment (2022-12-07): Agree the $9,000 does not need to be sourced, however the source documents were not provided for the xxxxxx sale for $18,500. Only an LOE was provided. | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781357 | xxxxxx | 27415173 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779068 | xxxxxx | 27415562 | xxxxxx | xxxxxx | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance policy reflects coverage of xxxxxx ; however, the loan amount is xxxxxx and the appraisal report does not reflect the estimated cost new; however, the report reflects the value as xxxxxx . The insurance policy coverage is short $247,500 as the guidelines allow the coverage amount to cover the loan amount. |  | Reviewer Comment (2022-12-09): RCE provided<br>Reviewer Comment (2022-12-07): The RCE provided is not for the subject property | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 779068 | xxxxxx | 27415579 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 779068 | xxxxxx | 27415581 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 | BPO - Multifamily Property |  | Reviewer Comment (2022-12-08): BPO provided<br>Reviewer Comment (2022-12-07): BPO was not found. Please try uploading again. | 12/08/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 779068 | xxxxxx | 27415588 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-12-07): OFAC on fraud report provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 779068 | xxxxxx | 27415590 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-12-07): Cleared fraud report provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 779068 | xxxxxx | 27433098 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the primary residence or evidence free and clear. |  | Reviewer Comment (2022-12-07): Primary is free and clear per fraud report and credit report. | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 779068 | xxxxxx | 27433203 | xxxxxx | xxxxxx | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 659 is less than Guideline representative FICO score of 660. | Multi-Family Property-Minimum FICO 660 | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 779068 | xxxxxx | 27455951 | xxxxxx | xxxxxx | Credit | Credit | Credit Eligibility | Guideline | Guideline Issue: Derogatory mortgage payments outside of credit guidelines |  | 1x120x24 | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B C |  | D A |  | N/A | No |
| xxxxxx | 781630 | xxxxxx | 27416073 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781630 | xxxxxx | 27433326 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The title reflects a judgment for xxxxxx (release recorded) and defaulted taxes xxxxxx. The Final Settlement Statement does not reflect defaulted taxes paid. Provide the clear title policy. |  | Reviewer Comment (2022-12-09): Dismissal LOE provided by title/attorney and docs.<br>Reviewer Comment (2022-12-08): The Final SS reflects defaulted taxes paid. However, only the release fee was recorded. Provide the release of judgment or clear title policy. | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780347 | xxxxxx | 27416612 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B |  | A |  | N/A | No |
| xxxxxx | 780913 | xxxxxx | 27416397 | xxxxxx | xxxxxx | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The flood certificate reflects the address as xxxxxx; however, the Note reflects the address as xxxxxx. |  | Reviewer Comment (2022-12-07): Updated flood cert provided | 12/07/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780913 | xxxxxx | 27416398 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2022-12-05): Client elects to waive |  |  | 12/05/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 780913 | xxxxxx | 27433877 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the Property Management Questionnaire. |  | Reviewer Comment (2022-12-08): PMQ provided | 12/08/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 779112 | xxxxxx | 27412174 | xxxxxx | xxxxxx | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The Final 1003 reflects Primary Residence for the subject property on the transaction section and REO section. Provide the updated 1003. |  | Reviewer Comment (2022-12-12): Updated 1003's provided<br>Reviewer Comment (2022-12-09): The 1003, REO Section - Property you own - still reflects the subject property as the primary residence. | 12/12/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779112 | xxxxxx | 27449150 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Commitment <br> State: xxxxxx |  |  | Reviewer Comment (2022-12-09): Updated commitment provided | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 779112 | xxxxxx | 27449152 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-06): Client elects to waive |  |  | 12/06/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781787 | xxxxxx | 27449760 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-12-09): Approval provided | 12/09/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 781787 | xxxxxx | 27449773 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-07): Client elects to waive |  |  | 12/07/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B |  | A |  | N/A | No |
| xxxxxx | 782081 | xxxxxx | 27468970 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2022-12-20): Received | 12/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 782081 | xxxxxx | 27469058 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  | Reviewer Comment (2022-12-20): Received | 12/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 782081 | xxxxxx | 27469073 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-12): Client elects to waive |  |  | 12/12/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 782081 | xxxxxx | 27469076 | xxxxxx | xxxxxx | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note date: xxxxxx ; Lien Position: 1 |  |  | Reviewer Comment (2022-12-20): Received UCDP 2.5 or less. | 12/20/2022 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 782081 | xxxxxx | 27471350 | xxxxxx | xxxxxx | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM/VOR for the borrower's primary residence. If owned free and clear, property the property profile to support. If renting and the VOR is from a private landlord. 6 months cancelled checks will be required. |  | Reviewer Comment (2022-12-28): Processor cert provided verifying borrower has been living rent free at the property on xxxxxx. VOM/VOR not required.<br>Reviewer Comment (2022-12-27): The 1003 does not reflect how long the borrower has been living rent free at the property on xxxxxx. Further, the borrower's driver's license reflects he current resides at a property on xxxxxx. in which the fraud report verifies the borrower is the owner of. If the borrower has been living rent free at the property on xxxxxx for < 12 months, a VOM for the property on xxxxxx will be required.<br>Reviewer Comment (2022-12-20): VOM not provided. A mortgage statement for the subject property was provided. Please provide VOM for borrower's primary residence. | 12/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 782081 | xxxxxx | 27471396 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  |  | Reviewer Comment (2022-12-20): Section 34 of the DOT covers PUD language. | 12/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 782081 | xxxxxx | 27471495 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship was not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-12): Client elects to wiave |  |  | 12/12/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C |  | D A |  | N/A | No |
| xxxxxx | 781869 | xxxxxx | 27481457 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The Loan to Value (LTV) 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>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. | Reviewer Comment (2022-12-14): Client elects to waive |  |  | 12/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B |  | A |  | N/A | No |
| xxxxxx | 780602 | xxxxxx | 27480941 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-14): Client elects to waive |  |  | 12/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 780602 | xxxxxx | 27481115 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2022-12-20): Received | 12/20/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781431 | xxxxxx | 27492838 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-14): Client elects to waive with verified compensation factors |  |  | 12/14/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B |  | A |  | N/A | No |
| xxxxxx | 781986 | xxxxxx | 27506102 | xxxxxx | xxxxxx | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-29): PDI received dated xxxxxx: No Damage<br>Reviewer Comment (2022-12-23): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Most Recent Valuation Inspection Date: xxxxxx <br> Disaster End Date: xxxxxx <br> Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br>Reviewer Comment (2022-12-22): PDI received does not clear this condition. The PDI is dated xxxxxx and the disaster declaration end date is xxxxxx . Please provide PDI dated after this date. | 12/29/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781986 | xxxxxx | 27506108 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's Experience/Track Record | Reviewer Comment (2022-12-16): Client elects to waive |  |  | 12/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781986 | xxxxxx | 27506891 | xxxxxx | xxxxxx | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $6,600.96 is less than Cash From Borrower $104,753.03. | The application reflects the borrower is using net proceeds from another property to qualify the loan. The 1008 reflects net proceeds from a recent refinance will be used to qualify the loan. The net proceeds are needed for closing and reserves. The file is missing a copy of the final Closing Disclosure and/or HUD-1. |  | Reviewer Comment (2022-12-23): Received | 12/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781986 | xxxxxx | 27506895 | xxxxxx | xxxxxx | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | The application reflects the borrower is using net proceeds from another property to qualify the loan. The 1008 reflects net proceeds from a recent refinance will be used to qualify the loan. The net proceeds are needed for closing and reserves. The file is missing a copy of the final Closing Disclosure and/or HUD-1. |  | Reviewer Comment (2022-12-23): Received | 12/23/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781708 | xxxxxx | 27503185 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-12-27): FTP provided | 12/27/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781708 | xxxxxx | 27503186 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Commitment <br> State: xxxxxx |  |  | Reviewer Comment (2022-12-27): FTP provided | 12/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781708 | xxxxxx | 27503188 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-16): Client elects to waive |  |  | 12/16/2022 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 781708 | xxxxxx | 27507026 | xxxxxx | xxxxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower to provide a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement. |  | Reviewer Comment (2022-12-27): xxxxxx ID card and translation provided. | 12/27/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B |  | A |  | N/A | No |
| xxxxxx | 782451 | xxxxxx | 27519432 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | 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. | Reviewer Comment (2022-12-20): The client elects to waive. |  |  | 12/20/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B |  | A |  | N/A | No |
| xxxxxx | 781650 | xxxxxx | 27535725 | xxxxxx | xxxxxx | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2022-12-27): FTP provided | 12/27/2022 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781650 | xxxxxx | 27535726 | xxxxxx | xxxxxx | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | HOI policy does not list ISAOA as required. |  | Reviewer Comment (2022-12-28): Updated HOI provided | 12/28/2022 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781650 | xxxxxx | 27535727 | xxxxxx | xxxxxx | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-12-27): FTP provided | 12/27/2022 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781650 | xxxxxx | 27535729 | xxxxxx | xxxxxx | Credit | Guideline | Guideline Issue | Guideline | Unable to determine guidelines used for origination. Due diligence review may be based on non-origination guidelines (i.e. aggregator, seller). |  | Diligence review based on xxxxxx approved guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-27): Client elects to waive |  |  | 12/27/2022 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |
| xxxxxx | 781650 | xxxxxx | 27547513 | xxxxxx | xxxxxx | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letters in file do not reflect the date the funds were transferred which is a guideline requirement. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-12-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-27): The wires do not clear this condition. This is a specific guideline requirement. |  |  | 12/27/2022 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B |  | A |  | N/A | No |

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## Exhibit 99.4

**EXHIBIT 99.4**

**AMC Rating Agency Grades**

![](image_001.gif)

**Rating Agency Grades**

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| | | | | |
|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal Number** | **Original Loan Amount** |
| xxxxxx | 761431 | xxxxxx | xxxxxx | xxxxxx D A |
| xxxxxx | 764269 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 765912 | xxxxxx | xxxxxx | xxxxxx C A |
| xxxxxx | 766354 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 766428 | xxxxxx | xxxxxx | xxxxxx A |
| xxxxxx | 766442 | xxxxxx | xxxxxx | xxxxxx C A |
| xxxxxx | 766374 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 766393 | xxxxxx | xxxxxx | xxxxxx C A |
| xxxxxx | 766435 | xxxxxx | xxxxxx | xxxxxx A |
| xxxxxx | 766429 | xxxxxx | xxxxxx | xxxxxx C A |
| xxxxxx | 766467 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 766452 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 766477 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 766425 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 766482 | xxxxxx | xxxxxx | xxxxxx C A |
| xxxxxx | 765989 | xxxxxx | xxxxxx | xxxxxx C A |
| xxxxxx | 764199 | xxxxxx | xxxxxx | xxxxxx D A B |
| xxxxxx | 764331 | xxxxxx | xxxxxx | xxxxxx D A B |
| xxxxxx | 766128 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 767462 | xxxxxx | xxxxxx | xxxxxx C D B A |
| xxxxxx | 768982 | xxxxxx | xxxxxx | xxxxxx C D B A |
| xxxxxx | 767195 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 768173 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 767192 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 768308 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 768170 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 770654 | xxxxxx | xxxxxx | xxxxxx D C B A |
| xxxxxx | 770503 | xxxxxx | xxxxxx | xxxxxx C A |
| xxxxxx | 770518 | xxxxxx | xxxxxx | xxxxxx C D A |
| xxxxxx | 770515 | xxxxxx | xxxxxx | xxxxxx C D A |
| xxxxxx | 770502 | xxxxxx | xxxxxx | xxxxxx C D B A |
| xxxxxx | 770597 | xxxxxx | xxxxxx | xxxxxx D A |
| xxxxxx | 767154 | xxxxxx | xxxxxx | xxxxxx C D A |
| xxxxxx | 772042 | xxxxxx | xxxxxx | xxxxxx C A |
| xxxxxx | 771578 | xxxxxx | xxxxxx | xxxxxx D A B |
| xxxxxx | 769761 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 770994 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 772419 | xxxxxx | xxxxxx | xxxxxx D A B |
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| xxxxxx | 776883 | xxxxxx | xxxxxx | xxxxxx C D B A |
| xxxxxx | 781247 | xxxxxx | xxxxxx | xxxxxx C D A B |
| xxxxxx | 779273 | xxxxxx | xxxxxx | xxxxxx D A B |
| xxxxxx | 778925 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779274 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 781770 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 778516 | xxxxxx | xxxxxx | xxxxxx B A |
| xxxxxx | 781285 | xxxxxx | xxxxxx | xxxxxx D A B |
| xxxxxx | 779947 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780004 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779951 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779971 | xxxxxx | xxxxxx | xxxxxx D A B |
| xxxxxx | 779957 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779903 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779979 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779925 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780049 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780033 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780006 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779952 | xxxxxx | xxxxxx | xxxxxx C B |
| xxxxxx | 780066 | xxxxxx | xxxxxx | xxxxxx D A B |
| xxxxxx | 780055 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780030 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779940 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779999 | xxxxxx | xxxxxx | xxxxxx D A B |
| xxxxxx | 779973 | xxxxxx | xxxxxx | xxxxxx D A B |
| xxxxxx | 780057 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779933 | xxxxxx | xxxxxx | xxxxxx C B |
| xxxxxx | 779996 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779976 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780053 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779958 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780062 | xxxxxx | xxxxxx | xxxxxx D A B |
| xxxxxx | 779945 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780017 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780047 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779900 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779962 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779946 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779907 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780071 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779905 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780035 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779963 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779938 | xxxxxx | xxxxxx | xxxxxx B A |
| xxxxxx | 780037 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779902 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780029 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780060 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780024 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779989 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779937 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780038 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780022 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779901 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779934 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780072 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779974 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779992 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779975 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779918 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780001 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780052 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779961 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779988 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779981 | xxxxxx | xxxxxx | xxxxxx D A B |
| xxxxxx | 780018 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779955 | xxxxxx | xxxxxx | xxxxxx B A |
| xxxxxx | 779956 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779986 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780009 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779967 | xxxxxx | xxxxxx | xxxxxx B A |
| xxxxxx | 780013 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779922 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780067 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779998 | xxxxxx | xxxxxx | xxxxxx D A B |
| xxxxxx | 780020 | xxxxxx | xxxxxx | xxxxxx C B |
| xxxxxx | 780045 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780048 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780025 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779897 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780050 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779894 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779917 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780016 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779993 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779911 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779949 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779939 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779965 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779923 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780003 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780039 | xxxxxx | xxxxxx | xxxxxx C B A |
| xxxxxx | 779968 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780011 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780032 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779954 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779966 | xxxxxx | xxxxxx | xxxxxx B A |
| xxxxxx | 779991 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780002 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780046 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779959 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780042 | xxxxxx | xxxxxx | xxxxxx B A |
| xxxxxx | 779912 | xxxxxx | xxxxxx | xxxxxx D B |
| xxxxxx | 779913 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779931 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779927 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779895 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779909 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779943 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779953 | xxxxxx | xxxxxx | xxxxxx C B |
| xxxxxx | 780012 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780061 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 781383 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 781385 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 781291 | xxxxxx | xxxxxx | xxxxxx D A B |
| xxxxxx | 781142 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780080 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 781902 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 781357 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779068 | xxxxxx | xxxxxx | xxxxxx C D B A |
| xxxxxx | 781630 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 780347 | xxxxxx | xxxxxx | xxxxxx B A |
| xxxxxx | 780913 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 779112 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 781787 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 782081 | xxxxxx | xxxxxx | xxxxxx C D B A |
| xxxxxx | 781869 | xxxxxx | xxxxxx | xxxxxx B A |
| xxxxxx | 780602 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 781431 | xxxxxx | xxxxxx | xxxxxx B A |
| xxxxxx | 781986 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 781708 | xxxxxx | xxxxxx | xxxxxx C A B |
| xxxxxx | 782451 | xxxxxx | xxxxxx | xxxxxx B A |
| xxxxxx | 781650 | xxxxxx | xxxxxx | xxxxxx C A B |

---

## Exhibit 99.5

**EXHIBIT 99.5**

**AMC VALUATION Report**

![](image_001.gif)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 761431 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/09/2021 | 11/29/2021 | Appraisal | xxxxxx | xxxxxx | 15.179% | 03/02/2022 | 02/10/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -17.143% | Clear Capital | 01/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 764269 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/19/2021 | 11/18/2021 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 765912 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/24/2022 | 07/26/2021 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/21/2022 | 07/26/2021 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 766354 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/19/2021 | 11/16/2021 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 766428 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/10/2022 | 01/05/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 766442 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/28/2021 | 12/14/2021 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/26/2022 | 12/14/2021 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.90 |
| xxxxxx | 766374 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/18/2022 | 01/03/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| xxxxxx | 766393 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/06/2022 | 12/31/2021 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 766435 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/25/2022 | 01/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/27/2022 | 01/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 766429 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/11/2022 | 01/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/21/2022 | 01/04/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.90 |
| xxxxxx | 766467 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/03/2022 | 12/24/2021 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/18/2022 | 12/24/2021 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 766452 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/30/2021 | 11/23/2021 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/08/2022 | 11/23/2021 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 |
| xxxxxx | 766477 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/20/2022 | 11/17/2021 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 766425 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 02/11/2022 | 01/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/21/2022 | 01/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| xxxxxx | 766482 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/26/2021 | 10/16/2021 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/05/2021 | 10/16/2021 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 765989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/09/2022 | 02/04/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 764199 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/10/2022 | 12/13/2021 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/19/2022 | 12/13/2021 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 764331 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/14/2022 | 02/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 02/18/2022 | 02/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 766128 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/14/2022 | 01/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 01/22/2022 | 01/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.20 |
| xxxxxx | 767462 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/23/2022 | 02/17/2022 | Appraisal | xxxxxx | xxxxxx | -2.200% | 07/01/2022 |  | BPO | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -2.200% | Clear Capital | 07/01/2022 |  |  |  |  | N/A |  |
| xxxxxx | 768982 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/14/2022 | 03/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 04/12/2022 | 03/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.70 |
| xxxxxx | 767195 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2022 | 03/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 03/31/2022 | 03/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 768173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2022 | 02/21/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 03/28/2022 | 02/21/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 767192 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/23/2022 | 02/22/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| xxxxxx | 768308 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.000% | xxxxxx | 04/06/2022 | 04/05/2022 | Appraisal | xxxxxx | xxxxxx | 7.399% | 04/11/2022 | 04/05/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| xxxxxx | 768170 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/20/2022 | 02/07/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 03/02/2022 | 02/07/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 770654 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/07/2022 | 01/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/18/2022 | 01/31/2022 | Desk Review | Clear Capital |  | xxxxxx | xxxxxx | -35.460% | xxxxxx | 0.18 | 03/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 770503 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/07/2021 | 12/02/2021 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| xxxxxx | 770518 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/28/2022 | 02/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/17/2022 | 02/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.90 |
| xxxxxx | 770515 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/22/2022 | 02/21/2022 | Appraisal | xxxxxx | xxxxxx | 9.244% | 05/17/2022 | 02/21/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 770502 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/24/2021 | 10/25/2021 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/17/2022 | 10/25/2021 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 770597 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/27/2022 | 04/22/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 767154 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/22/2021 | 12/21/2021 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| xxxxxx | 772042 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/11/2022 | 05/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/16/2022 | 05/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 771578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/16/2022 | 05/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 769761 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |
| xxxxxx | 770994 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/31/2022 | 05/05/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 772419 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2022 | 04/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/10/2022 | 04/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| xxxxxx | 769465 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/04/2022 | 04/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/06/2022 | 04/14/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 772682 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |
| xxxxxx | 770522 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2022 | 05/04/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| xxxxxx | 770318 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |
| xxxxxx | 771473 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2022 | 05/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/13/2022 | 05/23/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 772177 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2022 | 05/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/02/2022 | 05/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 772683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/06/2022 | 05/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/06/2022 | 05/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 772807 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2022 | 05/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/07/2022 | 05/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 773362 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2022 | 05/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/05/2022 | 05/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 773425 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/26/2022 | 05/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/27/2022 | 05/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 773263 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2022 | 05/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/13/2022 | 05/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| xxxxxx | 773422 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2022 | 05/23/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 773207 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/08/2022 | 05/27/2022 | Appraisal | xxxxxx | xxxxxx | -9.091% | 06/21/2022 | 05/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | xxxxxx |
| xxxxxx | 773406 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2022 | 06/07/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 773452 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/13/2022 | 06/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/21/2022 | 06/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 771814 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2022 | 05/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/07/2022 | 05/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.40 |
| xxxxxx | 774077 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2022 | 04/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/16/2022 | 04/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 773410 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/06/2022 | 06/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 773451 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2022 | 05/24/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 772788 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |
| xxxxxx | 772639 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/20/2022 | 06/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/23/2022 | 06/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 773245 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/06/2022 | 05/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/12/2022 | 05/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 772712 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2022 | 07/05/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/10/2022 | 07/05/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 772713 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2022 | 05/18/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 774530 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2022 | 06/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| xxxxxx | 772824 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |
| xxxxxx | 772982 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2022 | 06/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/13/2022 | 06/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 773238 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/13/2022 | 06/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/01/2022 | 06/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 773593 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/27/2022 | 06/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/02/2022 | 06/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 773559 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/29/2022 | 06/28/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 772890 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/29/2022 | 06/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/05/2022 | 06/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 772525 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2022 | 06/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/29/2022 | 06/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 772229 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/19/2022 | 05/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/15/2022 | 05/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 775932 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/21/2022 | 07/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/21/2022 | 07/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 774029 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/21/2022 | 06/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/07/2022 | 06/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 775565 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/30/2022 | 06/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/06/2022 | 06/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 773786 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/02/2022 | 07/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/08/2022 | 07/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 776163 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2022 | 06/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/01/2022 | 06/28/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 771766 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2022 | 06/10/2022 | Appraisal | xxxxxx | xxxxxx | 11.111% | 06/01/2022 |  | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 774723 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/13/2022 | 07/05/2022 | Appraisal | xxxxxx | xxxxxx | -2.857% | 07/12/2022 | 07/05/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 775564 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/09/2022 | 04/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/16/2022 | 04/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776406 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/06/2022 | 05/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/13/2022 | 05/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776438 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2022 | 05/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/07/2022 | 05/26/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.90 |
| xxxxxx | 774501 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2022 | 06/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/26/2022 | 06/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 773862 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/23/2022 | 07/21/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| xxxxxx | 776155 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/06/2022 | 07/06/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 775621 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/28/2022 | 07/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/26/2022 | 07/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 774770 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/02/2022 | 07/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/03/2022 | 07/28/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.70 |
| xxxxxx | 775941 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/24/2022 | 05/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/29/2022 | 05/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776280 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.000% | xxxxxx | 05/31/2022 | 05/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/14/2022 | 05/21/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |
| xxxxxx | 774909 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2022 | 07/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/26/2022 | 07/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 775981 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2022 | 05/17/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| xxxxxx | 774938 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/25/2022 | 05/20/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| xxxxxx | 774207 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/27/2022 | 07/22/2022 | Appraisal | xxxxxx | xxxxxx | -1.031% | 08/04/2022 |  | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776394 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2022 | 08/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/15/2022 | 08/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 775628 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/19/2022 | 07/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| xxxxxx | 774789 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/01/2022 | 07/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/02/2022 | 07/28/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.20 |
| xxxxxx | 775908 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/22/2022 | 07/20/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 776965 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2022 | 08/05/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| xxxxxx | 775622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2022 | 08/07/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 |
| xxxxxx | 775623 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2022 | 08/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/07/2022 | 08/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.30 |
| xxxxxx | 777063 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 07/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/18/2022 | 07/28/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| xxxxxx | 777279 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/10/2022 | 03/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/08/2022 | 03/16/2022 | Desk Review | xxxxxx |  |  |  |  |  |  | 05/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 777280 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/05/2022 | 03/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 04/26/2022 |  | AVM | xxxxxx | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 777262 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2022 | 03/16/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 777271 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2022 | 04/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/12/2022 |  | AVM | xxxxxx | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 777265 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/23/2022 | 01/22/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 777277 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2022 | 05/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/16/2022 |  | AVM | xxxxxx | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.70 |
| xxxxxx | 776507 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/01/2022 | 07/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/11/2022 | 07/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 772836 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | xxxxxx | -8.333% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -8.33% |  |  |
| xxxxxx | 775660 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2022 | 08/11/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 776325 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2022 | 07/22/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 775946 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/09/2022 | 08/05/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/17/2022 | 08/05/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776754 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/10/2022 | 07/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/11/2022 | 07/28/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 775747 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/01/2022 | 07/26/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 776323 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/13/2022 | 07/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/14/2022 | 07/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |
| xxxxxx | 776392 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2022 | 08/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/22/2022 | 08/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 775992 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/27/2022 | 07/22/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 775487 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/21/2022 | 07/21/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 777386 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/05/2022 | 06/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/15/2022 | 06/28/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 774513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2022 | 07/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/14/2022 | 07/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| xxxxxx | 777109 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/29/2022 | 08/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/25/2022 | 08/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| xxxxxx | 775851 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2022 | 08/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/04/2022 | 08/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| xxxxxx | 777438 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/27/2022 | 07/22/2022 | Appraisal | xxxxxx | xxxxxx | -1.751% | 08/16/2022 | 07/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/05/2022 | 06/29/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 776880 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/19/2022 | 07/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 777652 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 08/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/23/2022 | 08/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| xxxxxx | 776623 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2022 | 08/11/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 |
| xxxxxx | 777357 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/26/2022 | 07/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/26/2022 | 07/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776012 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/28/2022 | 08/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/30/2022 | 08/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 775855 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2022 | 08/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/24/2022 | 08/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 777428 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 08/16/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 775945 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/15/2022 | 08/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| xxxxxx | 777081 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2022 | 08/09/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 777296 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/08/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 773106 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/13/2022 | 06/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/14/2022 | 06/27/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 777777 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/29/2022 | 08/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/30/2022 | 08/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 777725 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/23/2022 | 03/21/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 773581 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2022 | 08/09/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| xxxxxx | 777726 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2022 | 07/19/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/05/2022 | 07/19/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.70 |
| xxxxxx | 777085 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2022 | 08/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 774876 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 07/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/19/2022 | 07/13/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 775836 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/23/2022 | 08/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/23/2022 | 08/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 776091 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/22/2022 | 08/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 775909 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2022 | 08/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/26/2022 | 08/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 773803 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/10/2022 | 02/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 02/28/2022 | 02/28/2022 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776396 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 08/12/2022 | 08/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/25/2022 | 08/22/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| xxxxxx | 777161 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/23/2022 | 08/16/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| xxxxxx | 778015 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2022 | 08/08/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| xxxxxx | 778012 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2022 | 08/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/15/2022 | 08/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.20 |
| xxxxxx | 778013 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2022 | 08/04/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 |
| xxxxxx | 776621 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 08/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/18/2022 | 08/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 777130 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2022 | 08/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/12/2022 | 08/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/02/2022 | 08/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 775775 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/20/2022 | 07/27/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 775744 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2022 | 08/05/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 |
| xxxxxx | 771046 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/04/2022 | 07/22/2022 | Appraisal | xxxxxx | xxxxxx | 4.762% | 09/07/2022 |  | BPO | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 777309 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2022 | 08/19/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| xxxxxx | 777809 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/21/2022 | 06/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/09/2022 | 06/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 |
| xxxxxx | 776050 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/29/2022 | 08/12/2022 | Appraisal | xxxxxx | xxxxxx | -7.500% | 08/25/2022 | 08/12/2022 | Desk Review | Clear capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 775485 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/01/2022 | 08/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/03/2022 | 08/01/2022 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.30 |
| xxxxxx | 778021 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 08/02/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 776566 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2022 | 08/10/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 777062 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/05/2022 | 08/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/15/2022 | 08/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 776910 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 07/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/15/2022 | 07/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778241 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2022 | 05/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/24/2022 | 05/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 777582 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2022 | 08/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/24/2022 | 08/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 777907 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/29/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| xxxxxx | 778243 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 07/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/04/2022 | 07/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778259 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/07/2022 | 05/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/16/2022 | 05/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778261 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/15/2022 | 05/19/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/17/2022 | 05/19/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778254 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/26/2022 | 08/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/25/2022 | 08/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/26/2022 | 08/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/25/2022 | 08/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 777867 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/27/2022 | 08/21/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/08/2022 | 08/21/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| xxxxxx | 778251 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2022 | 08/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/23/2022 | 08/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 777464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/02/2022 | 06/29/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 778252 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2022 | 06/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/27/2022 | 06/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778253 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2022 | 08/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/22/2022 | 08/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 773734 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/07/2022 |  | BPO | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 773740 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/02/2022 | 08/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/07/2022 |  | BPO | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776376 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/31/2022 | 05/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/15/2022 |  | BPO | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776837 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2022 | 08/04/2022 | Appraisal | xxxxxx | xxxxxx | -2.410% | 08/22/2022 | 08/04/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 777812 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2022 | 07/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/25/2022 | 07/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 778256 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2022 | 08/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/11/2022 | 08/04/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776916 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/29/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| xxxxxx | 771667 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/20/2022 | 07/20/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 778257 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2022 | 08/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/26/2022 | 08/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778171 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/31/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 776470 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/26/2022 | 07/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/21/2022 | 07/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| xxxxxx | 777124 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2022 | 08/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/10/2022 | 08/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.10 |
| xxxxxx | 777819 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/02/2022 | 08/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/23/2022 | 08/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.60 |
| xxxxxx | 778349 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/13/2022 | 07/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/26/2022 | 07/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778082 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/29/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| xxxxxx | 776402 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2022 | 08/10/2022 | Appraisal |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| xxxxxx | 777425 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/02/2022 | 08/24/2022 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.60 |
| xxxxxx | 778119 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/10/2022 | 08/03/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| xxxxxx | 778217 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/02/2022 | 08/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| xxxxxx | 776884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/17/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 777518 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/09/2022 | 09/06/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| xxxxxx | 777250 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/25/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 |
| xxxxxx | 778358 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/06/2022 | 08/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/18/2022 | 07/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/18/2022 | 07/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.90 |
| xxxxxx | 776491 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/10/2022 | 07/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/08/2022 | 07/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 770740 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/25/2022 | 05/21/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 777732 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/06/2022 | 08/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/12/2022 | 08/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| xxxxxx | 777731 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/02/2022 | 08/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.60 |
| xxxxxx | 777863 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/06/2022 | 09/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/08/2022 | 09/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 778207 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/27/2022 | 07/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/16/2022 | 07/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778371 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/05/2022 | 09/02/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 |
| xxxxxx | 778170 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/12/2022 | 08/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| xxxxxx | 777301 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/02/2022 | 08/23/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 775726 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/06/2022 | 08/09/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 777668 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/09/2022 | 09/07/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 777837 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 09/14/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| xxxxxx | 778512 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/07/2022 | 05/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 06/06/2022 | 05/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778231 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 09/09/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 778511 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2022 | 05/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 05/20/2022 | 05/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 777728 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/09/2022 | 09/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/15/2022 | 09/04/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.60 |
| xxxxxx | 775996 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/09/2022 | 09/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/15/2022 | 09/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| xxxxxx | 776342 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/04/2022 | 04/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/17/2022 | 04/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| xxxxxx | 778141 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/29/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| xxxxxx | 777670 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/21/2022 | 07/18/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| xxxxxx | 777719 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 09/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/22/2022 | 09/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 777095 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/06/2022 | 08/29/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 777120 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/28/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| xxxxxx | 773748 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/19/2022 | 07/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 776345 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/03/2022 | 07/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/19/2022 | 07/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776039 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/12/2022 | 08/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 776040 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/02/2022 | 08/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778376 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/07/2022 | 08/29/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/09/2022 | 08/29/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776913 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2022 | 08/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/25/2022 | 08/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778829 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/21/2022 | 09/11/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 778464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/14/2022 | 08/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 777909 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/15/2022 | 08/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 778263 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/14/2022 | 09/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 777765 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/12/2022 | 09/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/13/2022 | 09/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 776998 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/30/2022 | 08/22/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 778067 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/08/2022 | 09/08/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 778713 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/31/2022 | 07/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/09/2022 | 07/28/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 777347 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2022 | 08/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/26/2022 | 08/24/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 778534 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 09/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/22/2022 | 09/12/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.80 |
| xxxxxx | 779087 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/20/2022 | 09/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/21/2022 | 09/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 777475 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2022 | 08/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/17/2022 | 08/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| xxxxxx | 777228 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/06/2022 | 09/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/09/2022 | 09/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778984 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/21/2022 | 09/20/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 778850 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/26/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| xxxxxx | 778413 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/13/2022 | 08/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/16/2022 | 08/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.10 |
| xxxxxx | 777249 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2022 | 07/19/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 777526 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/14/2022 | 09/12/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| xxxxxx | 778524 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/14/2022 | 09/12/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 778389 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/23/2022 | 09/22/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 775922 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/09/2022 | 08/08/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 778812 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/23/2022 | 08/26/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 777715 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/12/2022 | 09/07/2022 | Appraisal | xxxxxx | xxxxxx | -4.762% | 09/19/2022 | 09/07/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778582 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/01/2022 | 08/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778970 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2022 | 07/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/10/2022 | 07/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778969 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 06/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/02/2022 | 06/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 777122 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/02/2022 | 08/18/2022 | Appraisal | xxxxxx | xxxxxx | -1.392% | 09/08/2022 |  | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776974 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/14/2022 | 08/15/2022 | Appraisal | xxxxxx | xxxxxx | -9.690% | 09/23/2022 | 08/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 |
| xxxxxx | 777431 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/14/2022 | 08/27/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| xxxxxx | 778157 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/27/2022 | 08/23/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| xxxxxx | 779147 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 09/22/2022 | Appraisal | xxxxxx | xxxxxx | -4.545% | 10/03/2022 | 09/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778020 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/07/2022 | 08/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778487 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/26/2022 | 09/08/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 |
| xxxxxx | 779282 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2022 | 06/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 07/21/2022 | 06/28/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776745 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/09/2022 | 07/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/22/2022 | 07/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 778068 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/26/2022 | 08/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/29/2022 | 08/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 |
| xxxxxx | 779049 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/27/2022 | 09/24/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| xxxxxx | 778664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2022 | 08/19/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| xxxxxx | 777832 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/16/2022 | 09/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/18/2022 | 09/15/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| xxxxxx | 778931 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/21/2022 | 09/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.10 |
| xxxxxx | 779069 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/04/2022 | 09/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/04/2022 | 10/03/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| xxxxxx | 776889 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/30/2022 | 08/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/07/2022 | 08/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/05/2022 | 08/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/31/2022 | 08/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.90 |
| xxxxxx | 779706 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/16/2022 | 09/14/2022 | Appraisal | xxxxxx | xxxxxx | -2.703% | 09/22/2022 | 09/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 779782 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/19/2022 | 07/29/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/11/2022 | 07/29/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.70 |
| xxxxxx | 778486 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 06/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/26/2022 | 06/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 776545 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/01/2022 | 08/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 778357 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/23/2022 | 09/23/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| xxxxxx | 779704 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/17/2022 | 10/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/07/2022 | 10/04/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 777659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/16/2022 | 09/02/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 777859 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 09/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/21/2022 | 09/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 767992 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/23/2022 | 03/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 03/26/2022 | 03/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 778485 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/29/2022 | 09/21/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/04/2022 | 09/21/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.20 |
| xxxxxx | 779004 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/04/2022 | 09/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/03/2022 | 09/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779469 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/12/2022 | 09/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/07/2022 | 09/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| xxxxxx | 777937 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 09/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/04/2022 | 09/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 778265 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/26/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| xxxxxx | 778973 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/09/2022 | 10/04/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 778385 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/05/2022 | 09/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 09/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| xxxxxx | 779722 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/15/2022 | 07/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/29/2022 | 07/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779724 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/15/2022 | 09/07/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 09/07/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778585 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/12/2022 | 08/24/2022 | Appraisal | xxxxxx | xxxxxx | 0.483% | 10/31/2022 | 10/10/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| xxxxxx | 775087 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2022 | 06/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/19/2022 | 06/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 778509 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/07/2022 | 09/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/28/2022 | 09/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779178 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/26/2022 | 09/22/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| xxxxxx | 779198 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/23/2022 | 09/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 09/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778868 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/14/2022 | 08/29/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 779048 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/06/2022 | 09/28/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 778031 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/12/2022 | 10/07/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/14/2022 | 10/07/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.90 |
| xxxxxx | 778983 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/05/2022 | 09/29/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| xxxxxx | 779208 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/26/2022 | 09/23/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| xxxxxx | 778266 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/28/2022 | 09/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/02/2022 | 09/14/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779022 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/10/2022 | 10/03/2022 | Appraisal | xxxxxx | xxxxxx | -0.089% | 09/29/2022 |  | AVM | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| xxxxxx | 779709 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2022 | 08/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/24/2022 | 08/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| xxxxxx | 779823 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/12/2022 | 09/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/14/2022 | 09/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| xxxxxx | 780463 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/23/2022 | 08/19/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/15/2022 | 08/19/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778264 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/25/2022 | 09/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/26/2022 | 09/24/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| xxxxxx | 778488 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/19/2022 | 06/21/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 08/31/2022 | 06/21/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| xxxxxx | 779473 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/11/2022 | 10/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/12/2020 | 10/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 778553 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/30/2022 | 09/26/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 778554 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/30/2022 | 09/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 09/26/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| xxxxxx | 778944 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/30/2022 | 09/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/03/2022 | 09/28/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| xxxxxx | 779057 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/05/2022 | 09/29/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 09/29/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 778568 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/22/2022 | 09/21/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 777822 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/18/2022 | 09/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/09/2022 | 09/14/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 780333 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/03/2022 | 09/01/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| xxxxxx | 778980 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/14/2022 | 10/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/15/2022 | 10/11/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| xxxxxx | 780093 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/29/2022 | 09/20/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.20 |
| xxxxxx | 778819 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/03/2022 | 10/02/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| xxxxxx | 780174 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/05/2022 | 08/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/22/2022 | 08/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 777877 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/20/2022 | 09/19/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 780202 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/21/2022 | 10/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 10/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| xxxxxx | 779663 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/20/2022 | 09/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/21/2022 | 09/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780406 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/19/2022 | 10/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/20/2022 | 10/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| xxxxxx | 780337 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/18/2022 | 10/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/18/2022 | 10/10/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 |
| xxxxxx | 779660 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/19/2022 | 10/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/21/2022 | 10/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778574 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/05/2022 | 08/25/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 |
| xxxxxx | 780165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/14/2022 | 10/13/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| xxxxxx | 779840 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/24/2022 | 10/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 10/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.20 |
| xxxxxx | 778685 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/23/2022 | 09/21/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| xxxxxx | 780157 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2022 | 08/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779483 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/03/2022 | 09/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/29/2022 | 09/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| xxxxxx | 779526 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/03/2022 | 09/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/14/2022 | 09/14/2022 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 778115 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2022 | 07/11/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| xxxxxx | 780490 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/18/2022 | 10/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/24/2022 | 10/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.70 |
| xxxxxx | 778522 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/29/2022 | 09/25/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| xxxxxx | 774186 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/23/2022 | 08/02/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 779047 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/12/2022 | 09/30/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 780632 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/31/2022 | 10/20/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 780578 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/27/2022 | 09/20/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 779734 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/07/2022 | 09/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/06/2022 | 09/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778909 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/26/2022 | 09/23/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 780112 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/20/2022 | 10/18/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 780182 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/13/2022 | 09/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/20/2022 | 09/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| xxxxxx | 779887 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/11/2022 | 10/04/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 779770 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/25/2022 | 10/25/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 |
| xxxxxx | 778433 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/24/2022 | 09/21/2022 | Appraisal |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| xxxxxx | 778705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/07/2022 | 08/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 780343 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/25/2022 | 10/25/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 779843 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/04/2022 | 10/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/10/2022 | 10/04/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| xxxxxx | 778081 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/05/2022 | 09/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/13/2022 | 09/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780529 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/25/2022 | 10/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/28/2022 | 10/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 779072 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/14/2022 | 10/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 10/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.00 |
| xxxxxx | 780930 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/27/2022 | 10/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/07/2022 | 10/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| xxxxxx | 780835 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/27/2022 | 10/24/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| xxxxxx | 780695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/12/2022 | 10/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/17/2022 | 10/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780430 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/02/2022 | 10/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/03/2022 | 10/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| xxxxxx | 776883 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/16/2022 | 08/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/03/2022 | 08/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 781247 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/03/2022 | 10/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/08/2022 | 10/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779273 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.000% | xxxxxx | 11/11/2022 | 10/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/18/2022 | 10/13/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | Moderate | 10/19/2022 | 10/13/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 778925 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/10/2022 | 09/27/2022 | Appraisal | xxxxxx | xxxxxx | -3.333% | 10/12/2022 | 09/27/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| xxxxxx | 779274 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/31/2022 | 09/26/2022 | Appraisal | xxxxxx | xxxxxx | -8.000% | 10/12/2022 | 09/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| xxxxxx | 781770 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/19/2022 | 10/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/21/2022 | 10/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778516 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/31/2022 | 10/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/12/2022 | 10/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.00 |
| xxxxxx | 781285 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/11/2022 | 10/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/11/2022 | 10/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779947 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/23/2022 | 08/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/15/2022 | 08/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.298% | Red Bell | 08/23/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780004 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/23/2022 | 08/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/15/2022 | 08/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 13.590% | Red Bell | 08/19/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779951 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |
| xxxxxx | 779971 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/30/2022 | 07/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/15/2022 | 07/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.464% | Red Bell | 07/27/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/13/2022 | 08/04/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.513% | Red Bell | 08/16/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779903 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |
| xxxxxx | 779979 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/26/2022 | 07/08/2022 | Appraisal | xxxxxx | xxxxxx | 0.271% | 09/16/2022 | 07/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -14.919% | Red Bell | 07/15/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779925 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2022 | 08/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/15/2022 | 08/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.894% | Red Bell | 08/18/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780049 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |
| xxxxxx | 780033 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/26/2022 | 08/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 08/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -2.150% | Red Bell | 08/31/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780006 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/10/2022 | 08/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 08/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -5.494% | Red bell | 08/17/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779952 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/03/2022 | 07/30/2022 | Appraisal | xxxxxx | xxxxxx | -4.902% | 09/20/2022 | 07/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -2.943% |  | 08/04/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780066 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 08/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.893% | Red Bell Real Estate, LLC | 08/25/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780055 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 08/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 08/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.980% | Red Bell | 08/22/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780030 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2022 | 08/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/22/2022 | 08/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -6.883% | Red Bell Estate, LLC | 08/19/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779940 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/29/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 08/29/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779999 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/01/2022 | 07/29/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 07/29/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 2.588% | Red Bell Real Estate, LLC | 08/04/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2022 | 08/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/19/2022 | 08/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Red Bell Real Estate, LLC | 08/18/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780057 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/02/2022 | 05/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 05/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -9.729% | Red Bell Real Estate, LLC | 08/04/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779933 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2022 | 08/03/2022 | Appraisal | xxxxxx | xxxxxx | -8.616% | 09/20/2022 | 08/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -12.975% |  | 08/08/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779996 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 08/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -3.930% |  | 08/23/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779976 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 08/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -2.598% | Red Bell | 08/22/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780053 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/13/2022 | 07/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 07/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779958 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/28/2022 | 06/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 06/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -13.785% | Red Bell Real Estate, LLC | 07/12/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780062 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/21/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 08/21/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 2.776% |  | 08/24/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779945 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/28/2022 | 05/19/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/19/2022 | 05/19/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.083% | Red Bell | 06/28/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780017 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/04/2022 | 08/19/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/28/2022 | 08/19/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.783% | Red Bell | 08/29/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780047 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 08/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -3.829% | Red Bell | 08/15/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779900 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2022 | 08/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 08/04/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -10.178% |  | 08/17/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779962 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2022 | 07/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/28/2022 | 07/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.439% | Red Bell | 07/26/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779946 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2022 | 08/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/28/2022 | 08/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -9.030% |  | 08/16/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779907 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/26/2022 | 07/27/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/03/2022 | 07/27/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -8.761% | Red Bell | 08/31/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780071 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2022 | 08/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 08/23/2022 | Desk Review | Clear Capital |  | xxxxxx | xxxxxx | 4.104% | xxxxxx | 0.2 | 08/26/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779905 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2022 | 08/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 08/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -16.287% | Red Bell | 08/10/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780035 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |
| xxxxxx | 779963 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2022 | 08/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 08/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -9.648% |  | 08/19/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779938 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2022 | 08/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 08/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.299% | Red Bell Real Estate, LLC | 08/24/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780037 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/08/2022 | 07/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 07/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 10.884% | Red Bell | 08/01/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779902 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/29/2022 | 08/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 08/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 4.255% | Red Bell | 09/06/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780029 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2022 | 08/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 08/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 4.964% |  | 08/29/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780060 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/02/2022 | 08/24/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 08/24/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -12.033% | Red Bell | 08/31/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780024 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |
| xxxxxx | 779989 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |
| xxxxxx | 779937 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/12/2022 | 08/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 08/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.591% | Red Bell | 08/05/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780038 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 07/23/2022 | Appraisal | xxxxxx | xxxxxx | 2.342% | 08/18/2022 | 07/23/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | Moderate | 10/04/2022 | 07/23/2022 |  |  |  |  |  | xxxxxx | xxxxxx | -4.760% |  | 08/02/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780022 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/15/2022 | 08/05/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 08/05/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779901 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/12/2022 | 08/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 08/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 10.666% | Red Bell | 09/12/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779934 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/13/2022 | 08/31/2022 | Appraisal | xxxxxx | xxxxxx | -2.778% | 10/06/2022 | 08/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -8.104% | Red Bell | 09/09/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780072 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/13/2022 | 08/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 08/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -6.540% | Red Bell | 09/09/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779974 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2022 | 08/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 08/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -10.766% | Red Bell | 08/22/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779992 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 08/31/2022 | Desk Review | Clear Capital |  | xxxxxx | xxxxxx | 18.436% | xxxxxx | 0.2 | 09/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779975 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/11/2022 | 09/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/04/2022 | 09/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 19.594% | Red Bell | 09/16/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779918 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 08/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -15.691% | Red Bell | 09/08/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780001 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/06/2022 | 09/05/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 09/05/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -20.890% | Red Bell | 09/11/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780052 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/08/2022 | 08/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 08/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -6.973% | Red Bell | 09/08/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779961 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2022 | 08/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 08/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 19.825% |  | 08/22/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779988 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/20/2022 | 08/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/20/2022 | 08/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 13.663% |  | 09/20/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779981 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/29/2022 | 08/26/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/17/2022 | 08/26/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 7.088% |  | 09/06/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780018 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2022 | 07/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/17/2022 | 07/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -11.942% | Red Bell | 07/19/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779955 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/21/2022 | 09/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/17/2022 | 09/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779956 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2022 | 08/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -5.024% | Red Bell Real Estate, LLC | 08/08/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779986 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2022 | 08/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.176% | Red Bell Real Estate, LLC | 08/19/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780009 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/13/2022 | 09/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 09/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.345% | xxxxxx | 09/10/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779967 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2022 | 08/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 08/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -9.047% | Red Bell Real Estate, LLC | 08/04/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780013 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | xxxxxx | -0.648% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.65% |  |  |
| xxxxxx | 779922 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/01/2022 | 07/18/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 07/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 6.541% | Red Bell Real Estate, LLC | 08/03/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780067 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/20/2022 | 07/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 07/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.657% | Red Bell Real Estate, LLC | 07/22/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779998 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/13/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/13/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.165% | Red Bell Real Estate, LLC | 08/22/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780020 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |
| xxxxxx | 780045 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/04/2022 | 08/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -17.927% | Red Bell Real Estate, LLC | 09/08/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780048 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 08/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -23.712% | Red Bell | 08/19/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780025 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/28/2022 | 07/18/2022 | Appraisal | xxxxxx | xxxxxx | -4.459% | 10/26/2022 | 07/18/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -8.356% | Red Bell | 08/02/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779897 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/29/2022 | 08/25/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 08/25/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -4.719% | Red Bell Real Estate, LLC | 09/02/2022 |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 780050 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/04/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/04/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -11.411% | Red Bell Real Estate, LLC | 08/16/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779894 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 08/04/2022 | Appraisal | xxxxxx | xxxxxx | -6.015% | 10/25/2022 | 08/04/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 3.621% | Red Bell | 08/16/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779917 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/09/2022 | 06/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 06/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -8.867% | Red Bell Real Estate | 06/08/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780016 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/06/2022 | 09/01/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 09/01/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.576% | xxxxxx | 09/08/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779993 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/12/2022 | 08/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.097% | Red Bell | 08/15/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779911 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 08/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 08/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -18.368% | Red Bell | 08/18/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779949 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/08/2022 | 08/19/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 08/19/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -15.908% | Red Bell | 08/26/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779939 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2022 | 08/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.913% | Red Bell | 08/30/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779965 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/06/2022 | 09/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 09/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.035% | Red Bell | 09/13/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779923 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/19/2022 | 09/02/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 09/02/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780003 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2022 | 08/12/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/12/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.062% | Red Bell | 08/19/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780039 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/21/2022 | 07/20/2022 | Appraisal | xxxxxx | xxxxxx | 1.724% | 08/02/2022 | 07/25/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.724% | Clear Capital | Low | 10/25/2022 | 07/25/2022 |  |  |  |  |  | xxxxxx | xxxxxx | 10.501% | Red Bell | 08/10/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779968 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | xxxxxx | -0.499% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.50% |  |  |
| xxxxxx | 780011 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/12/2022 | 09/07/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 09/07/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 3.703% | Red Bell | 09/16/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780032 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/29/2022 | Appraisal | xxxxxx | xxxxxx | -3.361% | 10/26/2022 | 08/29/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779954 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | 0.000% | xxxxxx |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |
| xxxxxx | 779966 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/13/2022 | 09/09/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/21/2022 | 09/09/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 4.266% |  | 09/14/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779991 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/31/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/31/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 2.513% | xxxxxx | 09/08/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780002 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/08/2022 | 09/07/2022 | Appraisal | xxxxxx | xxxxxx | -8.333% | 10/25/2022 | 09/07/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -4.658% | xxxxxx | 09/12/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780046 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/15/2022 | 06/06/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 06/06/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 12.482% | Red Bell Real Estate | 06/09/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779959 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 08/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.638% | xxxxxx | 08/23/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780042 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2022 | 08/03/2022 | Appraisal | xxxxxx | xxxxxx | -2.857% | 10/25/2022 | 08/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -3.562% | Red Bell Real Estate, LLC | 08/16/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779912 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/23/2022 | 08/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -9.509% | Red Bell | 08/25/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779913 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/29/2022 | 08/22/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/21/2022 | 08/22/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 2.690% | Red Bell | 08/31/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779931 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2022 | 08/03/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 08/03/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.711% | Red Bell Real Estate, LLC | 08/11/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779927 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2022 | 08/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/26/2022 | 08/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 2.635% |  | 08/30/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779895 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2022 | 08/08/2022 | Appraisal | xxxxxx | xxxxxx | -6.422% | 10/26/2022 | 08/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -2.343% | Red Bell | 08/18/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779909 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2022 | 08/10/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -2.998% |  | 08/19/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779943 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2022 | 08/10/2022 | Appraisal | xxxxxx | xxxxxx | -4.444% | 10/25/2022 | 08/10/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -12.836% | Red Bell | 08/17/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779953 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/03/2022 | 07/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 07/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.260% | Red Bell | 07/30/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780012 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2022 | 08/11/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/11/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 14.221% | Red Bell | 08/25/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780061 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2022 | 07/20/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 07/20/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.337% | Red Bell | 07/27/2022 |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 781383 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/14/2022 | 09/16/2022 | Appraisal | xxxxxx | xxxxxx | -9.774% | 10/17/2022 | 09/16/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 781385 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/14/2022 | 09/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/17/2022 | 09/16/2022 | Desk Review | Pro Teck |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| xxxxxx | 781291 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/16/2022 | 11/01/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| xxxxxx | 781142 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/13/2022 | 09/30/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/07/2022 | 09/30/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 780080 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/12/2022 | 09/29/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/18/2022 | 09/29/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 781902 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/15/2022 | 11/04/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| xxxxxx | 781357 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/30/2022 | 09/23/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/18/2022 | 09/23/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779068 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/20/2022 | 10/25/2022 | Appraisal | xxxxxx | xxxxxx | -4.167% | 11/04/2022 |  | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 781630 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/01/2022 | 10/14/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 10/14/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| xxxxxx | 780347 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/08/2022 | 10/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/04/2022 | 10/28/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| xxxxxx | 780913 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/27/2022 | 09/28/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 10/31/2022 | 09/28/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 779112 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/07/2022 | 10/04/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| xxxxxx | 781787 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/10/2022 | 11/08/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/15/2022 | 11/08/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 782081 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/22/2022 | 11/22/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| xxxxxx | 781869 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/22/2022 | 11/15/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/22/2022 | 11/15/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.60 |
| xxxxxx | 780602 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/07/2022 | 10/25/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 781431 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/02/2022 | 11/15/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| xxxxxx | 781986 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/06/2022 | 09/12/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| xxxxxx | 781708 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/23/2022 | 11/17/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 11/28/2022 | 11/17/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| xxxxxx | 782451 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/12/2022 | 11/16/2022 | Appraisal | xxxxxx | $0.00 | 0.000% | 12/07/2022 | 11/16/2022 | Desk Review | Clear Capital |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.70 |
| xxxxxx | 781650 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/25/2022 | 11/19/2022 | Appraisal |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC SUPPLEMENTAL DATA**

![](image_001.gif)

**Supplemental Data**

---

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| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status Loan Designation** | **Application Date** | **TRID** | **GSE** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Were the origination guidelines utilized for this diligence review?** |
| xxxxxx | 761431 | xxxxxx | N/A | xxxxxx | Yes | No | $2173.06 | $2173.06 | 4.875% | No | No |  |  | xxxxxx | xxxxxx | 6 | xxxxxx | $1440.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/17/2021 | 791 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 4.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.22 | 0.45 |  |  |  | xxxxxx | $151988.82 | 28.000% |  | UTD |
| xxxxxx | 764269 | xxxxxx | N/A | xxxxxx | Yes | No | $1261.65 | $1261.65 | 4.500% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1199.04 | xxxxxx | $254.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/27/2021 | 778 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 4.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  | xxxxxx | $44326.89 |  |  | UTD |
| xxxxxx | 765912 | xxxxxx | N/A | xxxxxx | Yes | No | $2995.71 | $2995.71 | 4.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1239.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/19/2022 | 766 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 4.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  | xxxxxx | $19349.91 |  |  | UTD |
| xxxxxx | 766354 | xxxxxx | N/A | xxxxxx | Yes | No | $979.95 | $979.95 | 5.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1740.84 |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/12/2022 | 684 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 5.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  | xxxxxx | $16957.67 |  |  | UTD |
| xxxxxx | 766428 | xxxxxx | N/A | xxxxxx | Yes | No | $2385.52 | $2385.52 | 5.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $3333.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/10/2021 | 716 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 5.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  | xxxxxx | $155133.01 | 29.000% |  | UTD |
| xxxxxx | 766442 | xxxxxx | N/A | xxxxxx | Yes | No | $5223.66 | $5223.66 | 5.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $3299.04 | xxxxxx | $180.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/13/2022 | 672 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 4.9 | N/A | No | 5.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.88 | 0.53 |  |  |  | xxxxxx | $412806.53 | 36.000% |  | UTD |
| xxxxxx | 766374 | xxxxxx | N/A | xxxxxx | Yes | No | $4180.00 | $4180.00 | 5.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1291.56 | xxxxxx | $1271.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/07/2022 | 785 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1.2 | N/A | No | 5.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  | 240 | xxxxxx | $304002.16 | 27.000% |  | UTD |
| xxxxxx | 766393 | xxxxxx | N/A | xxxxxx | Yes | No | $1960.15 | $1960.15 | 5.125% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $876.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2021 | 810 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 5.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.97 |  |  |  | xxxxxx | $620536.29 | 100.000% |  | UTD |
| xxxxxx | 766435 | xxxxxx | N/A | xxxxxx | Yes | No | $993.97 | $993.97 | 5.250% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $770.88 | xxxxxx | $704.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/02/2021 | 747 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 5.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.8 | 0.56 |  |  |  | xxxxxx | $201331.39 | 63.000% |  | UTD |
| xxxxxx | 766429 | xxxxxx | N/A | xxxxxx | Yes | No | $2795.53 | $2795.53 | 5.250% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $3051.48 |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/15/2021 | 726 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 2.9 | N/A | No | 5.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  | xxxxxx | $195354.99 |  |  | UTD |
| xxxxxx | 766467 | xxxxxx | N/A | xxxxxx | Yes | No | $1554.27 | $1554.27 | 5.625% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1068.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/17/2022 | 771 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  | xxxxxx | 2 | 160.2 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 5.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  | xxxxxx | $28885.23 |  |  | UTD |
| xxxxxx | 766452 | xxxxxx | N/A | xxxxxx | Yes | No | $1146.82 | $1146.82 | 5.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1738.20 |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/01/2021 | 739 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 2.4 | N/A | No | 5.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  | xxxxxx | $21479.24 |  |  | UTD |
| xxxxxx | 766477 | xxxxxx | N/A | xxxxxx | Yes | No | $996.17 | $996.17 | 5.125% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $782.28 | xxxxxx | $600.00 |  | Annually | 0.000% | 0.000% | 0.000% | 10/31/2021 | 813 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 5.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  | 240 | xxxxxx | $226603.78 |  |  | UTD |
| xxxxxx | 766425 | xxxxxx | N/A | xxxxxx | Yes | No | $4535.16 | $4535.16 | 5.375% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $360.96 | xxxxxx | $1012.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 12/11/2021 | 797 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 3.2 | No | No | 5.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.47 |  |  | 240 | xxxxxx | $776289.06 | 58.000% |  | UTD |
| xxxxxx | 766482 | xxxxxx | N/A | xxxxxx | Yes | No | $1198.83 | $1198.83 | 5.115% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $902.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/18/2022 | 700 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 5.115% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.58 |  |  | 240 | xxxxxx | $67091.17 |  |  | UTD |
| xxxxxx | 765989 | xxxxxx | N/A | xxxxxx | Yes | No | $972.42 | $972.42 | 4.875% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $501.96 | xxxxxx | $124.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/25/2022 | 806 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 4.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  | xxxxxx | $5000.00 | 2.000% |  | UTD |
| xxxxxx | 764199 | xxxxxx | N/A | xxxxxx | Yes | No | $6635.42 | $6635.42 | 4.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $4707.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/11/2022 | 785 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 4.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  | 240 | xxxxxx | $715566.16 | 28.000% |  | UTD |
| xxxxxx | 764331 | xxxxxx | N/A | xxxxxx | Yes | No | $2677.42 | $2677.42 | 4.375% | No | No |  |  | xxxxxx | xxxxxx | 1 | xxxxxx | $3319.20 | xxxxxx | $490.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/09/2022 | 771 |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 4.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  | xxxxxx | $137675.63 | 19.000% |  | UTD |
| xxxxxx | 766128 | xxxxxx | N/A | xxxxxx | Yes | No | $4768.17 | $4768.17 | 4.375% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1136.16 |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/10/2022 | 801 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.2 | N/A | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.53 | 1.89 | Closed End | No |  | xxxxxx | $25638.42 |  |  | UTD |
| xxxxxx | 767462 | xxxxxx | N/A | xxxxxx | Yes | No | $1410.36 | $1410.36 | 5.625% | No | No |  |  | xxxxxx |  | 6 | xxxxxx | $5679.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/04/2022 | 709 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 5.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  | xxxxxx | $0.00 |  |  | UTD |
| xxxxxx | 768982 | xxxxxx | N/A | xxxxxx | Yes | No | $2341.59 | $2341.59 | 5.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2096.04 | xxxxxx | $240.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/02/2022 | 749 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 2.7 | N/A | No | 5.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  | xxxxxx | $214738.23 | 40.000% |  | UTD |
| xxxxxx | 767195 | xxxxxx | N/A | xxxxxx | Yes | No | $2662.11 | $2662.11 | 5.875% | No | No | xxxxxx | xxxxxx |  |  | 2 | xxxxxx | $2582.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/21/2022 | 726 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  | 240 | xxxxxx | $222484.18 | 31.000% |  | UTD |
| xxxxxx | 768173 | xxxxxx | N/A | xxxxxx | Yes | No | $2284.81 | $2284.81 | 5.875% | No | No | Non-Permanent Resident Alien |  |  |  | 1 | xxxxxx | $807.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2022 | 786 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 5.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $183495.44 | 36.000% |  | UTD |
| xxxxxx | 767192 | xxxxxx | N/A | xxxxxx | Yes | No | $2244.89 | $2244.89 | 5.875% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1377.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/08/2022 | 710 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.8 | No | No | 5.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $96746.42 |  |  | UTD |
| xxxxxx | 768308 | xxxxxx | N/A | xxxxxx | Yes | No | $2919.25 | $2919.25 | 6.125% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1556.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2022 | 770 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 2.3 | No | No | 6.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  | 360 | xxxxxx | $563847.05 |  |  | UTD |
| xxxxxx | 768170 | xxxxxx | N/A | xxxxxx | Yes | No | $2539.17 | $2539.17 | 5.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1364.04 | xxxxxx | $1436.00 |  | Annually | 0.000% | 0.000% | 0.000% | 03/03/2022 | 749 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 5.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  | 360 | xxxxxx | $21097.77 |  |  | UTD |
| xxxxxx | 770654 | xxxxxx | N/A | xxxxxx | Yes | No | $1641.52 | $1641.52 | 5.875% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $4002.48 |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/12/2022 | 768 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 5.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  | xxxxxx | $70097.66 |  |  | UTD |
| xxxxxx | 770503 | xxxxxx | N/A | xxxxxx | Yes | No | $2919.68 | $3096.63 | 6.548% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $843.60 | xxxxxx | $1370.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/20/2021 | 797 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.5 | N/A | No | 6.548% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.8 | 0.56 |  |  |  | xxxxxx | $264047.84 | 41.000% |  | UTD |
| xxxxxx | 770518 | xxxxxx | N/A | xxxxxx | Yes | No | $3211.64 | $3421.74 | 6.591% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1147.08 | xxxxxx | $1822.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/19/2022 | 664 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.9 | N/A | No | 6.591% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.59 |  |  |  | xxxxxx | $254754.20 | 36.000% |  | UTD |
| xxxxxx | 770515 | xxxxxx | N/A | xxxxxx | Yes | No | $1572.13 | $1667.82 | 6.550% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $4186.20 | xxxxxx | $1723.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/13/2022 | 654 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 6.550% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 770502 | xxxxxx | N/A | xxxxxx | Yes | No | $1210.54 | $1283.91 | 6.548% | No | No | Foreign National |  |  |  | 1 | xxxxxx | $900.96 | xxxxxx | $487.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 6.548% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.35 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 770597 | xxxxxx | N/A | xxxxxx | Yes | No | $935.80 | $935.80 | 6.375% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1076.04 | xxxxxx | $1125.00 |  | Annually | 0.000% | 0.000% | 0.000% | 03/08/2022 | 779 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  | xxxxxx | $59500.00 | 20.000% |  | UTD |
| xxxxxx | 767154 | xxxxxx | N/A | xxxxxx | Yes | No | $1328.39 | $1328.39 | 6.375% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1188.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/23/2022 | 790 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.5 | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  | 240 | xxxxxx | $54929.85 |  |  | UTD |
| xxxxxx | 772042 | xxxxxx | N/A | xxxxxx | Yes | No | $1126.79 | $1126.79 | 7.125% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $3067.92 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/09/2022 | 735 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  | xxxxxx | $131862.25 | 59.000% |  | UTD |
| xxxxxx | 771578 | xxxxxx | N/A | xxxxxx | Yes | No | $1502.12 | $1502.12 | 7.250% | No | No |  |  | Foreign National | Foreign National | 1 | xxxxxx | $1089.72 | xxxxxx | $2952.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  | xxxxxx | $35608.64 | 11.000% |  | UTD |
| xxxxxx | 769761 | xxxxxx | N/A | xxxxxx | Yes | No | $2685.76 | $2685.76 | 6.375% | No | No |  |  | xxxxxx |  |  | xxxxxx | $2379.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2022 | 745 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  | xxxxxx | $86963.01 |  |  | UTD |
| xxxxxx | 770994 | xxxxxx | N/A | xxxxxx | Yes | No | $1243.22 | $1243.22 | 7.375% | No | No |  |  | Permanent Resident Alien |  | 1 | xxxxxx | $867.00 | xxxxxx | $261.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/25/2022 | 727 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  | xxxxxx | $101757.00 | 42.000% |  | UTD |
| xxxxxx | 772419 | xxxxxx | N/A | xxxxxx | Yes | No | $2322.85 | $2322.85 | 6.500% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $876.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/10/2022 | 727 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.6 | No | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.72 | 1.39 |  |  |  | xxxxxx | $102417.60 |  |  | UTD |
| xxxxxx | 769465 | xxxxxx | N/A | xxxxxx | Yes | No | $2456.49 | $2456.49 | 6.375% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $5676.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/15/2022 | 765 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  | xxxxxx | $170909.50 | 33.000% |  | UTD |
| xxxxxx | 772682 | xxxxxx | N/A | xxxxxx | Yes | No | $4150.11 | $4150.11 | 7.125% | No | No |  |  | xxxxxx |  |  | xxxxxx | $5768.52 |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/13/2022 | 662 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.34 | 0.3 |  |  |  | xxxxxx | $331472.65 |  |  | UTD |
| xxxxxx | 770522 | xxxxxx | N/A | xxxxxx | Yes | No | $1198.40 | $1198.40 | 6.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1836.00 | xxxxxx | $550.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/29/2022 | 764 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.1 | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  | xxxxxx | $122187.70 | 52.000% |  | UTD |
| xxxxxx | 770318 | xxxxxx | N/A | xxxxxx | Yes | No | $5238.58 | $5238.58 | 6.500% | No | No |  |  | xxxxxx | xxxxxx |  | xxxxxx | $4015.92 |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/27/2022 | 673 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 771473 | xxxxxx | N/A | xxxxxx | Yes | No | $1197.54 | $1197.54 | 7.000% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1924.44 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/17/2022 | 733 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 772177 | xxxxxx | N/A | xxxxxx | Yes | No | $3069.79 | $3069.79 | 7.250% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $2238.36 |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/26/2022 | 793 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  | xxxxxx | $26000.00 | 4.000% |  | UTD |
| xxxxxx | 772683 | xxxxxx | N/A | xxxxxx | Yes | No | $5058.35 | $5058.35 | 6.875% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $4205.64 |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/13/2022 | 662 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.65 | 0.38 |  |  |  | xxxxxx | $341472.65 | 31.000% |  | UTD |
| xxxxxx | 772807 | xxxxxx | N/A | xxxxxx | Yes | No | $1253.50 | $1253.50 | 7.250% | No | No |  |  | xxxxxx | xxxxxx | 2 | xxxxxx | $1241.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/18/2022 | 779 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.77 |  |  |  | xxxxxx | $253490.10 | 100.000% |  | UTD |
| xxxxxx | 773362 | xxxxxx | N/A | xxxxxx | Yes | No | $818.32 | $818.32 | 7.000% | No | No |  |  | xxxxxx | xxxxxx | 2 | xxxxxx | $657.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/26/2022 | 758 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  | xxxxxx | $46177.81 |  |  | UTD |
| xxxxxx | 773425 | xxxxxx | N/A | xxxxxx | Yes | No | $1477.60 | $1477.60 | 7.750% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $2081.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/19/2022 | 743 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  | xxxxxx | $25034.33 |  |  | UTD |
| xxxxxx | 773263 | xxxxxx | N/A | xxxxxx | Yes | No | $3128.62 | $3128.62 | 6.875% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $4745.64 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/01/2022 | 762 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.6 | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  | xxxxxx | $55000.00 | 8.000% |  | UTD |
| xxxxxx | 773422 | xxxxxx | N/A | xxxxxx | Yes | No | $1999.05 | $1999.05 | 6.625% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1202.52 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2022 | 776 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $304468.90 |  |  | UTD |
| xxxxxx | 773207 | xxxxxx | N/A | xxxxxx | Yes | No | $3171.77 | $3171.77 | 8.500% | No | No |  | xxxxxx |  |  | 1 | xxxxxx | $1397.16 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/25/2022 | 766 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 999 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.42 | 2.39 |  |  |  | xxxxxx | $658807.64 | 100.000% |  | UTD |
| xxxxxx | 773406 | xxxxxx | N/A | xxxxxx | Yes | No | $1026.67 | $1026.67 | 7.000% | No | No |  |  | Non-Permanent Resident Alien |  | 1 | xxxxxx | $839.16 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/24/2022 | 788 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  | 240 | xxxxxx | $427260.74 | 100.000% |  | UTD |
| xxxxxx | 773452 | xxxxxx | N/A | xxxxxx | Yes | No | $2113.24 | $2113.24 | 8.000% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $1668.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/15/2022 | 772 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  | xxxxxx | $198611.78 |  |  | UTD |
| xxxxxx | 771814 | xxxxxx | N/A | xxxxxx | Yes | No | $1477.97 | $1477.97 | 7.125% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1860.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/28/2022 | 768 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.4 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.65 |  |  |  | xxxxxx | $24763.94 | 8.000% |  | UTD |
| xxxxxx | 774077 | xxxxxx | N/A | xxxxxx | Yes | No | $3515.63 | $3515.63 | 9.000% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1460.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/24/2022 | 625 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  | 360 | xxxxxx | $275445.41 | 44.000% |  | UTD |
| xxxxxx | 773410 | xxxxxx | N/A | xxxxxx | Yes | No | $1152.56 | $1152.56 | 6.625% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1470.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2022 | 781 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 773451 | xxxxxx | N/A | xxxxxx | Yes | No | $1499.17 | $1499.17 | 6.875% | No | No |  |  | xxxxxx | xxxxxx | 1 | xxxxxx | $2091.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2022 | 781 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  | 360 | xxxxxx | $205181.86 | 53.000% |  | UTD |
| xxxxxx | 772788 | xxxxxx | N/A | xxxxxx | Yes | No | $3172.12 | $3172.12 | 7.250% | No | No |  |  | xxxxxx | xxxxxx |  | xxxxxx | $473.76 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2022 | 753 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.81 | 0.55 |  |  |  | xxxxxx | $102709.48 |  |  | UTD |
| xxxxxx | 772639 | xxxxxx | N/A | xxxxxx | Yes | No | $1216.13 | $1216.13 | 6.750% | No | No | xxxxxx |  |  |  | 3 | xxxxxx | $2891.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2022 | 749 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.62 |  |  |  | xxxxxx | $162665.86 | 65.000% |  | UTD |
| xxxxxx | 773245 | xxxxxx | N/A | xxxxxx | Yes | No | $6207.98 | $6207.98 | 6.875% | No | No |  |  | xxxxxx | xxxxxx | 2 | xxxxxx | $3932.40 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/28/2022 | 769 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  | xxxxxx | $117451.42 |  |  | UTD |
| xxxxxx | 772712 | xxxxxx | N/A | xxxxxx | Yes | No | $4340.07 | $4340.07 | 8.625% | No | No |  | xxxxxx |  |  | 2 | xxxxxx | $1435.20 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2022 | 639 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  | xxxxxx | $572639.68 |  |  | UTD |
| xxxxxx | 772713 | xxxxxx | N/A | xxxxxx | Yes | No | $3655.61 | $3655.61 | 8.625% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $794.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2022 | 639 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  | xxxxxx | $485958.54 |  |  | UTD |
| xxxxxx | 774530 | xxxxxx | N/A | xxxxxx | Yes | No | $3455.83 | $3455.83 | 8.250% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $703.20 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2022 | 682 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.1 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  | xxxxxx | $228052.57 | 35.000% |  | UTD |
| xxxxxx | 772824 | xxxxxx | N/A | xxxxxx | Yes | No | $4178.33 | $4178.33 | 7.250% | No | No |  |  | xxxxxx | xxxxxx |  | xxxxxx | $2226.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/14/2022 | 668 |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  | xxxxxx | $967308.46 |  |  | UTD |
| xxxxxx | 772982 | xxxxxx | N/A | xxxxxx | Yes | No | $9226.96 | $9226.96 | 8.500% | No | No |  |  |  |  | 1 | xxxxxx | $1542.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/16/2022 | 698 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.31 |  |  |  | xxxxxx | $1500351.33 | 94.000% |  | UTD |
| xxxxxx | 773238 | xxxxxx | N/A | xxxxxx | Yes | No | $3806.12 | $3806.12 | 8.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $780.96 | xxxxxx | $334.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/20/2022 | 760 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  | xxxxxx | $114111.71 |  |  | UTD |
| xxxxxx | 773593 | xxxxxx | N/A | xxxxxx | Yes | No | $2522.99 | $2522.99 | 8.875% | No | No | Foreign National |  |  |  | 1 | xxxxxx | $1250.64 | xxxxxx | $457.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.26 |  |  |  | xxxxxx | $0.00 |  |  | UTD |
| xxxxxx | 773559 | xxxxxx | N/A | xxxxxx | Yes | No | $3507.98 | $3793.32 | 7.269% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1116.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/01/2022 | 632 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 7.269% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.62 | 1.62 |  |  |  | xxxxxx | $221102.96 | 30.000% |  | UTD |
| xxxxxx | 772890 | xxxxxx | N/A | xxxxxx | Yes | No | $1413.89 | $1413.89 | 7.875% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $3526.92 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/24/2022 | 739 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  | xxxxxx | $2000.00 | 1.000% |  | UTD |
| xxxxxx | 772525 | xxxxxx | N/A | xxxxxx | Yes | No | $1231.74 | $1231.74 | 6.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $461.04 | xxxxxx | $182.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/19/2022 | 800 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $56216.48 | 22.000% |  | UTD |
| xxxxxx | 772229 | xxxxxx | N/A | xxxxxx | Yes | No | $1262.68 | $1262.68 | 7.750% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $1796.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/10/2022 | 713 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $52479.98 | 22.000% |  | UTD |
| xxxxxx | 775932 | xxxxxx | N/A | xxxxxx | Yes | No | $1711.25 | $1711.25 | 9.250% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1289.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/19/2022 | 722 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  | 240 | xxxxxx | $204966.07 |  |  | UTD |
| xxxxxx | 774029 | xxxxxx | N/A | xxxxxx | Yes | No | $2566.33 | $2566.33 | 8.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2054.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/12/2022 | 680 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.48 | 2.07 |  |  |  | xxxxxx | $181643.91 | 36.000% |  | UTD |
| xxxxxx | 775565 | xxxxxx | N/A | xxxxxx | Yes | No | $4520.90 | $4520.90 | 8.625% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $6867.00 | xxxxxx | $675.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.75 | 0.57 |  |  |  | xxxxxx | $490024.43 | 63.000% |  | UTD |
| xxxxxx | 773786 | xxxxxx | N/A | xxxxxx | Yes | No | $4434.15 | $4434.15 | 7.250% | No | No | xxxxxx |  |  |  | 4 | xxxxxx | $1473.60 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/17/2022 | 785 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  | xxxxxx | $381038.05 |  |  | UTD |
| xxxxxx | 776163 | xxxxxx | N/A | xxxxxx | Yes | No | $2059.77 | $2059.77 | 7.315% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1067.16 | xxxxxx | $215.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/06/2022 | 762 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.315% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.11 | 0.32 |  |  |  | xxxxxx | $50168.49 |  |  | UTD |
| xxxxxx | 771766 | xxxxxx | N/A | xxxxxx | Yes | No | $4029.82 | $4029.82 | 7.750% | No | No |  |  | xxxxxx | xxxxxx | 7 | xxxxxx | $2943.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/25/2022 | 727 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  | xxxxxx | $10272.78 | 1.000% |  | UTD |
| xxxxxx | 774723 | xxxxxx | N/A | xxxxxx | Yes | No | $7656.25 | $7656.25 | 10.000% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $855.12 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2022 | 759 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 10.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.32 | 3.17 |  |  | 240 | xxxxxx | $42000.00 | 3.000% |  | UTD |
| xxxxxx | 775564 | xxxxxx | N/A | xxxxxx | Yes | No | $2387.62 | $2387.62 | 7.250% | No | No |  |  | Foreign National | Foreign National | 1 | xxxxxx | $1596.12 | xxxxxx | $180.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 776406 | xxxxxx | N/A | xxxxxx | Yes | No | $1163.63 | $1163.63 | 8.875% | No | No |  |  | xxxxxx |  | 4 | xxxxxx | $2367.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/04/2022 | 746 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.73 | 0.58 |  |  |  | xxxxxx | $49673.28 |  |  | UTD |
| xxxxxx | 776438 | xxxxxx | N/A | xxxxxx | Yes | No | $2110.34 | $2110.34 | 7.000% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1230.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2022 | 737 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.9 | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.08 |  |  |  | xxxxxx | $200739.42 |  |  | UTD |
| xxxxxx | 774501 | xxxxxx | N/A | xxxxxx | Yes | No | $2412.78 | $2412.78 | 6.750% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $2616.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/02/2022 | 722 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  | xxxxxx | $290056.37 | 47.000% |  | UTD |
| xxxxxx | 773862 | xxxxxx | N/A | xxxxxx | Yes | No | $2071.88 | $2071.88 | 9.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $551.04 | xxxxxx | $788.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/06/2022 | 694 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.7 | Yes | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  | 360 | xxxxxx | $10000.00 | 3.000% |  | UTD |
| xxxxxx | 776155 | xxxxxx | N/A | xxxxxx | Yes | No | $995.74 | $995.74 | 8.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $768.84 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2022 | 715 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.77 |  |  |  | xxxxxx | $0.00 |  |  | UTD |
| xxxxxx | 775621 | xxxxxx | N/A | xxxxxx | Yes | No | $1591.28 | $1591.28 | 8.875% | No | No | Foreign National | Foreign National |  |  | 1 | xxxxxx | $1135.20 | xxxxxx | $257.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  | xxxxxx | $200883.97 | 56.000% |  | UTD |
| xxxxxx | 774770 | xxxxxx | N/A | xxxxxx | Yes | No | $2970.70 | $2970.70 | 8.125% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1223.04 | xxxxxx | $2499.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/16/2022 | 701 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.7 | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  | 360 | xxxxxx | $147551.08 |  |  | UTD |
| xxxxxx | 775941 | xxxxxx | N/A | xxxxxx | Yes | No | $2030.66 | $2030.66 | 9.500% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1723.80 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/22/2022 | 594 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.63 | 1.59 |  |  |  | xxxxxx | $0.00 |  |  | UTD |
| xxxxxx | 776280 | xxxxxx | N/A | xxxxxx | Yes | No | $14224.90 | $14224.90 | 8.500% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $8370.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2022 | 707 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 4.5 | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  | xxxxxx | $494136.96 |  |  | UTD |
| xxxxxx | 774909 | xxxxxx | N/A | xxxxxx | Yes | No | $2297.56 | $2297.56 | 7.875% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1097.04 | xxxxxx | $6295.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/29/2022 | 770 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  | xxxxxx | $231229.27 | 53.000% |  | UTD |
| xxxxxx | 775981 | xxxxxx | N/A | xxxxxx | Yes | No | $1577.44 | $1577.44 | 9.500% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1719.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2022 | 746 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.2 | Yes | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.12 |  |  |  | xxxxxx | $37105.47 |  |  | UTD |
| xxxxxx | 774938 | xxxxxx | N/A | xxxxxx | Yes | No | $2069.68 | $2069.68 | 8.375% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $575.04 | xxxxxx | $990.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/14/2022 | 741 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1.1 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  | xxxxxx | $174537.82 | 45.000% |  | UTD |
| xxxxxx | 774207 | xxxxxx | N/A | xxxxxx | Yes | No | $2701.21 | $2701.21 | 8.875% | No | No |  |  | xxxxxx |  | 6 | xxxxxx | $5553.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2022 | 719 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  | xxxxxx | $0.00 |  |  | UTD |
| xxxxxx | 776394 | xxxxxx | N/A | xxxxxx | Yes | No | $3166.47 | $3166.47 | 8.750% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $530.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/02/2022 | 660 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  | xxxxxx | $0.00 |  |  | UTD |
| xxxxxx | 775628 | xxxxxx | N/A | xxxxxx | Yes | No | $4567.13 | $4567.13 | 7.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $3268.20 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2022 | 800 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.6 | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  | xxxxxx | $396775.04 | 47.000% |  | UTD |
| xxxxxx | 774789 | xxxxxx | N/A | xxxxxx | Yes | No | $7135.54 | $7135.54 | 7.375% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $7983.00 | xxxxxx | $6080.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/31/2022 | 773 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 4.2 | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  | xxxxxx | $423098.67 | 31.000% |  | UTD |
| xxxxxx | 775908 | xxxxxx | N/A | xxxxxx | Yes | No | $9309.05 | $9309.05 | 8.875% | No | No | Foreign National |  |  |  | 1 | xxxxxx | $11739.00 | xxxxxx | $3100.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.46 | 2.18 |  |  |  | xxxxxx | $1415843.85 | 79.000% |  | UTD |
| xxxxxx | 776965 | xxxxxx | N/A | xxxxxx | Yes | No | $4536.46 | $4536.46 | 8.375% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $612.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/20/2022 | 729 |  |  |  |  |  |  |  |  | No | No | Other | Chapter 7 | xxxxxx | 1 | 115.08 |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.2 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.02 |  |  | 360 | xxxxxx | $213068.71 |  |  | UTD |
| xxxxxx | 775622 | xxxxxx | N/A | xxxxxx | Yes | No | $3687.17 | $3687.17 | 8.000% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $746.04 | xxxxxx | $842.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/09/2022 | 717 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.4 | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  | xxxxxx | $199696.75 | 30.000% |  | UTD |
| xxxxxx | 775623 | xxxxxx | N/A | xxxxxx | Yes | No | $2404.84 | $2768.38 | 10.516% | No | No | Non-Permanent Resident Alien |  |  |  | 1 | xxxxxx | $726.96 | xxxxxx | $1822.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.3 | N/A | No | 10.516% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  | xxxxxx | $141031.10 | 35.000% |  | UTD |
| xxxxxx | 777063 | xxxxxx | N/A | xxxxxx | Yes | No | $1719.53 | $1719.53 | 9.625% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $2635.08 | xxxxxx | $230.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/27/2022 | 660 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.2 | No | No | 9.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  | xxxxxx | $110000.00 | 38.000% |  | UTD |
| xxxxxx | 777279 | xxxxxx | N/A | xxxxxx | Yes | No | $2962.10 | $2962.10 | 6.125% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $1319.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/21/2022 | 720 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 6.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  | xxxxxx | $271097.22 |  |  | UTD |
| xxxxxx | 777280 | xxxxxx | N/A | xxxxxx | Yes | No | $1284.66 | $1284.66 | 7.375% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $2324.64 |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/14/2022 | 733 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  | xxxxxx | $2500.00 | 1.000% |  | UTD |
| xxxxxx | 777262 | xxxxxx | N/A | xxxxxx | Yes | No | $789.57 | $1185.02 | 5.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $483.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/07/2022 | 793 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 5.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  | 240 | xxxxxx | $234249.52 | 100.000% |  | UTD |
| xxxxxx | 777271 | xxxxxx | N/A | xxxxxx | Yes | No | $1674.07 | $1674.07 | 5.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2680.20 | xxxxxx | $60.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/04/2022 | 789 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 5.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.69 |  |  |  | xxxxxx | $40053.62 |  |  | UTD |
| xxxxxx | 777265 | xxxxxx | N/A | xxxxxx | Yes | No | $2057.06 | $3126.79 | 5.375% | No | No |  | xxxxxx |  |  | 1 | xxxxxx | $1647.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/16/2021 | 769 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.08 |  |  | 240 | xxxxxx | $24742.70 |  |  | UTD |
| xxxxxx | 777277 | xxxxxx | N/A | xxxxxx | Yes | No | $4093.61 | $4093.61 | 7.000% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $5853.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/18/2022 | 757 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.7 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  | xxxxxx | $599910.66 | 68.000% |  | UTD |
| xxxxxx | 776507 | xxxxxx | N/A | xxxxxx | Yes | No | $1900.38 | $1900.38 | 9.250% | No | No |  |  |  | xxxxxx | 3 | xxxxxx | $2175.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2022 | 664 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  | xxxxxx | $46210.61 |  |  | UTD |
| xxxxxx | 772836 | xxxxxx | N/A | xxxxxx | Yes | No | $2394.44 | $2394.44 | 7.250% | No | No |  |  | xxxxxx | xxxxxx |  | xxxxxx | $3786.84 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2022 | 741 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.8 | 0.56 |  |  |  | xxxxxx | $52655.11 |  |  | UTD |
| xxxxxx | 775660 | xxxxxx | N/A | xxxxxx | Yes | No | $2201.29 | $2201.29 | 8.000% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $3269.16 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/24/2022 | 715 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.06 |  |  |  | xxxxxx | $288401.13 |  |  | UTD |
| xxxxxx | 776325 | xxxxxx | N/A | xxxxxx | Yes | No | $1446.53 | $1446.53 | 7.000% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $879.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2022 | 766 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  | xxxxxx | $90532.53 | 31.000% |  | UTD |
| xxxxxx | 775946 | xxxxxx | N/A | xxxxxx | Yes | No | $2312.35 | $2312.35 | 9.500% | No | No | xxxxxx | xxxxxx |  |  | 2 | xxxxxx | $1086.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/25/2022 | 717 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.64 | 1.57 |  |  |  | xxxxxx | $202931.55 |  |  | UTD |
| xxxxxx | 776754 | xxxxxx | N/A | xxxxxx | Yes | No | $1740.17 | $1740.17 | 7.875% | No | No |  |  | xxxxxx | xxxxxx | 4 | xxxxxx | $2843.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/22/2022 | 761 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  | xxxxxx | $80776.46 |  |  | UTD |
| xxxxxx | 775747 | xxxxxx | N/A | xxxxxx | Yes | No | $2079.37 | $2079.37 | 9.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1136.16 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/29/2022 | 672 |  |  |  |  |  |  |  |  | No | No | Other | Chapter 13 | xxxxxx | 1 |  | 36 |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  | xxxxxx | $97934.69 |  |  | UTD |
| xxxxxx | 776323 | xxxxxx | N/A | xxxxxx | Yes | No | $1445.57 | $1445.57 | 7.625% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2774.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2022 | 685 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.5 | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  | 240 | xxxxxx |  |  |  | UTD |
| xxxxxx | 776392 | xxxxxx | N/A | xxxxxx | Yes | No | $3067.96 | $3067.96 | 8.500% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $2531.40 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/26/2022 | 777 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  | xxxxxx | $12000.00 | 2.000% |  | UTD |
| xxxxxx | 775992 | xxxxxx | N/A | xxxxxx | Yes | No | $10279.05 | $10279.05 | 9.000% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $3901.08 | xxxxxx | $519.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/13/2022 | 794 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.36 |  |  |  | xxxxxx | $1198224.08 | 66.000% |  | UTD |
| xxxxxx | 775487 | xxxxxx | N/A | xxxxxx | Yes | No | $2405.42 | $2405.42 | 7.990% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1076.28 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/09/2022 | 778 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  | xxxxxx | $147594.78 | 34.000% |  | UTD |
| xxxxxx | 777386 | xxxxxx | N/A | xxxxxx | Yes | No | $1725.25 | $1725.25 | 7.625% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1496.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2022 | 797 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  | xxxxxx | $184463.97 | 57.000% |  | UTD |
| xxxxxx | 774513 | xxxxxx | N/A | xxxxxx | Yes | No | $4866.13 | $4866.13 | 9.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $438.00 | xxxxxx | $958.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/02/2022 | 808 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.9 | Yes | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.63 | 1.59 |  |  |  | xxxxxx | $208229.39 | 25.000% |  | UTD |
| xxxxxx | 777109 | xxxxxx | N/A | xxxxxx | Yes | No | $1952.97 | $1952.97 | 7.250% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $2874.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2022 | 782 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.6 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  | 240 | xxxxxx | $154372.37 | 36.000% |  | UTD |
| xxxxxx | 775851 | xxxxxx | N/A | xxxxxx | Yes | No | $2126.05 | $2126.05 | 8.500% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2942.04 | xxxxxx | $575.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/12/2022 | 669 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.2 | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  | xxxxxx | $9159.06 |  |  | UTD |
| xxxxxx | 777438 | xxxxxx | N/A | xxxxxx | Yes | No | $2344.06 | $2344.06 | 8.375% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1883.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2022 | 711 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.24 |  |  |  | xxxxxx | $89459.85 |  |  | UTD |
| xxxxxx | 776635 | xxxxxx | N/A | xxxxxx | Yes | No | $2254.90 | $2254.90 | 7.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $449.04 | xxxxxx | $225.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/24/2022 | 767 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  | xxxxxx | $230094.30 | 46.000% |  | UTD |
| xxxxxx | 776880 | xxxxxx | N/A | xxxxxx | Yes | No | $2694.88 | $2694.88 | 7.125% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2043.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2022 | 742 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  | xxxxxx | $205006.62 | 26.000% |  | UTD |
| xxxxxx | 777652 | xxxxxx | N/A | xxxxxx | Yes | No | $4993.22 | $4993.22 | 8.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $8255.52 | xxxxxx | $0.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/06/2022 | 736 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.6 | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.13 |  |  | 360 | xxxxxx | $840877.93 | 89.000% |  | UTD |
| xxxxxx | 776623 | xxxxxx | N/A | xxxxxx | Yes | No | $2657.89 | $2657.89 | 7.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1568.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2022 | 736 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.8 | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  | xxxxxx | $103014.86 | 19.000% |  | UTD |
| xxxxxx | 777357 | xxxxxx | N/A | xxxxxx | Yes | No | $4113.18 | $4113.18 | 8.250% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $1437.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2022 | 723 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  | xxxxxx | $287270.15 | 39.000% |  | UTD |
| xxxxxx | 776012 | xxxxxx | N/A | xxxxxx | Yes | No | $1252.97 | $1252.97 | 8.125% | No | No | xxxxxx |  |  |  | 3 | xxxxxx | $1898.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/25/2022 | 701 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 1 | 1 | 1 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  | xxxxxx | $5000.00 | 2.000% |  | UTD |
| xxxxxx | 775855 | xxxxxx | N/A | xxxxxx | Yes | No | $3352.37 | $3352.37 | 8.125% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $1252.44 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/01/2022 | 711 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  | xxxxxx | $22771.85 |  |  | UTD |
| xxxxxx | 777428 | xxxxxx | N/A | xxxxxx | Yes | No | $1719.88 | $1719.88 | 9.000% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $953.04 | xxxxxx | $206.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/01/2022 | 707 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  | xxxxxx | $295295.40 | 100.000% |  | UTD |
| xxxxxx | 775945 | xxxxxx | N/A | xxxxxx | Yes | No | $3742.88 | $3742.88 | 9.375% | No | No |  |  | xxxxxx | xxxxxx | 1 | xxxxxx | $3343.20 | xxxxxx | $1102.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/12/2022 | 686 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.5 | No | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  | xxxxxx | $1500768.07 | 100.000% |  | UTD |
| xxxxxx | 777081 | xxxxxx | N/A | xxxxxx | Yes | No | $1174.50 | $1174.50 | 7.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $678.00 | xxxxxx | $295.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/20/2022 | 753 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  | 240 | xxxxxx | $377354.28 | 100.000% |  | UTD |
| xxxxxx | 777296 | xxxxxx | N/A | xxxxxx | Yes | No | $2042.48 | $2042.48 | 7.000% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1289.16 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/03/2022 | 755 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  | xxxxxx | $361495.49 | 60.000% |  | UTD |
| xxxxxx | 773106 | xxxxxx | N/A | xxxxxx | Yes | No | $1869.57 | $1869.57 | 7.125% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2061.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2022 | 699 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $24916.47 |  |  | UTD |
| xxxxxx | 777777 | xxxxxx | N/A | xxxxxx | Yes | No | $4314.16 | $4314.16 | 7.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $994.56 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2022 | 794 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.49 |  |  |  | xxxxxx | $31744.42 | 4.000% |  | UTD |
| xxxxxx | 777725 | xxxxxx | N/A | xxxxxx | Yes | No | $1884.51 | $2021.54 | 7.972% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | 1 | xxxxxx | $1242.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2022 | 726 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 7.972% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 773581 | xxxxxx | N/A | xxxxxx | Yes | No | $4512.03 | $5092.12 | 8.784% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $3983.04 | xxxxxx | $727.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/26/2022 | 729 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.9 | N/A | No | 8.784% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.37 | 2.7 |  |  |  | xxxxxx | $0.00 |  |  | UTD |
| xxxxxx | 777726 | xxxxxx | N/A | xxxxxx | Yes | No | $2130.46 | $2202.65 | 7.972% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1794.96 | xxxxxx | $100.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/26/2022 | 730 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.7 | Yes | No | 7.972% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  | xxxxxx | $14109.97 | 3.000% |  | UTD |
| xxxxxx | 777085 | xxxxxx | N/A | xxxxxx | Yes | No | $1174.50 | $1174.50 | 7.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $645.00 | xxxxxx | $295.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/09/2022 | 769 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  | 240 | xxxxxx | $310150.32 | 100.000% |  | UTD |
| xxxxxx | 774876 | xxxxxx | N/A | xxxxxx | Yes | No | $4335.00 | $4335.00 | 8.500% | No | No | xxxxxx | xxxxxx |  |  | 2 | xxxxxx | $3336.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2022 | 749 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  | 240 | xxxxxx | $203546.41 | 27.000% |  | UTD |
| xxxxxx | 775836 | xxxxxx | N/A | xxxxxx | Yes | No | $3424.77 | $3424.77 | 8.125% | No | No | xxxxxx |  |  |  | 4 | xxxxxx | $1227.48 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/15/2022 | 731 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  | xxxxxx | $130386.02 |  |  | UTD |
| xxxxxx | 776091 | xxxxxx | N/A | xxxxxx | Yes | No | $1835.44 | $1835.44 | 7.500% | No | No |  |  | xxxxxx | xxxxxx | 1 | xxxxxx | $1957.32 | xxxxxx | $4332.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/01/2022 | 696 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.64 | 0.27 |  |  |  | xxxxxx | $291780.39 | 78.000% |  | UTD |
| xxxxxx | 775909 | xxxxxx | N/A | xxxxxx | Yes | No | $3821.50 | $3821.50 | 8.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $876.12 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2022 | 798 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.63 | 1.6 |  |  |  | xxxxxx | $292334.32 | 41.000% |  | UTD |
| xxxxxx | 773803 | xxxxxx | N/A | xxxxxx | Yes | No | $1947.92 | $1947.92 | 6.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1269.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/15/2022 | 757 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.2 |  |  | 240 | xxxxxx | $43443.25 |  |  | UTD |
| xxxxxx | 776396 | xxxxxx | N/A | xxxxxx | Yes | No | $7775.61 | $7775.61 | 8.250% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $3714.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/22/2022 | 798 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.4 | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.53 | 1.9 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 777161 | xxxxxx | N/A | xxxxxx | Yes | No | $2027.02 | $2154.40 | 8.784% | No | No | Foreign National |  |  |  | 1 | xxxxxx | $1373.28 | xxxxxx | $153.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.6 | Yes | No | 8.784% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  | xxxxxx | $159965.93 | 41.000% |  | UTD |
| xxxxxx | 778015 | xxxxxx | N/A | xxxxxx | Yes | No | $627.60 | $627.60 | 7.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1008.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2022 | 733 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1.4 | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $96472.29 | 77.000% |  | UTD |
| xxxxxx | 778012 | xxxxxx | N/A | xxxxxx | Yes | No | $1152.14 | $1152.14 | 7.875% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $750.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/20/2022 | 776 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 4.2 | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  | xxxxxx | $94595.22 | 42.000% |  | UTD |
| xxxxxx | 778013 | xxxxxx | N/A | xxxxxx | Yes | No | $1968.25 | $1968.25 | 9.250% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2237.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/26/2022 | 717 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1.8 | Yes | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.13 |  |  |  | xxxxxx | $138272.54 | 43.000% |  | UTD |
| xxxxxx | 776621 | xxxxxx | N/A | xxxxxx | Yes | No | $7252.09 | $7252.09 | 7.375% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $8793.60 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2022 | 772 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  | xxxxxx | $241510.48 | 17.000% |  | UTD |
| xxxxxx | 777130 | xxxxxx | N/A | xxxxxx | Yes | No | $4099.74 | $4099.74 | 8.125% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $5028.96 | xxxxxx | $1500.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/19/2022 | 679 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  | 240 | xxxxxx | $147721.02 |  |  | UTD |
| xxxxxx | 776436 | xxxxxx | N/A | xxxxxx | Yes | No | $2498.37 | $2498.37 | 7.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1965.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2022 | 767 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.08 |  |  |  | xxxxxx | $5160605.80 | 100.000% |  | UTD |
| xxxxxx | 775775 | xxxxxx | N/A | xxxxxx | Yes | No | $2864.32 | $2864.32 | 8.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $420.96 | xxxxxx | $245.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/27/2022 | 786 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  | xxxxxx | $126280.79 | 26.000% |  | UTD |
| xxxxxx | 775744 | xxxxxx | N/A | xxxxxx | Yes | No | $4267.85 | $4267.85 | 8.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $862.20 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2022 | 798 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2 | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.63 | 1.6 |  |  |  | xxxxxx | $270682.65 |  |  | UTD |
| xxxxxx | 771046 | xxxxxx | N/A | xxxxxx | Yes | No | $2431.38 | $2431.38 | 9.875% | No | No |  |  | xxxxxx | xxxxxx | 5 | xxxxxx | $6351.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2022 | 688 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 777309 | xxxxxx | N/A | xxxxxx | Yes | No | $1163.96 | $1163.96 | 7.250% | No | No |  |  | Permanent Resident Alien |  | 1 | xxxxxx | $917.04 | xxxxxx | $234.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/17/2022 | 731 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.1 | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  | xxxxxx | $71751.56 | 32.000% |  | UTD |
| xxxxxx | 777809 | xxxxxx | N/A | xxxxxx | Yes | No | $3300.29 | $3300.29 | 7.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2042.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/08/2022 | 676 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1.8 | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  | xxxxxx | $204661.83 |  |  | UTD |
| xxxxxx | 776050 | xxxxxx | N/A | xxxxxx | Yes | No | $2128.20 | $2128.20 | 8.375% | No | No |  |  | xxxxxx | xxxxxx | 1 | xxxxxx | $1299.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2022 | 768 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.35 |  |  |  | xxxxxx | $159141.91 | 40.000% |  | UTD |
| xxxxxx | 775485 | xxxxxx | N/A | xxxxxx | Yes | No | $5031.25 | $5031.25 | 8.625% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $891.96 | xxxxxx | $586.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/25/2022 | 734 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 3.3 | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.59 | 1.69 |  |  | 240 | xxxxxx | $46054.83 |  |  | UTD |
| xxxxxx | 778021 | xxxxxx | N/A | xxxxxx | Yes | No | $3260.19 | $3260.19 | 8.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1259.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/20/2022 | 782 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  | xxxxxx | $214915.31 | 37.000% |  | UTD |
| xxxxxx | 776566 | xxxxxx | N/A | xxxxxx | Yes | No | $6019.77 | $6019.77 | 8.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2223.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/30/2022 | 768 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.62 | 1.61 |  |  |  | xxxxxx | $436473.01 | 33.000% |  | UTD |
| xxxxxx | 777062 | xxxxxx | N/A | xxxxxx | Yes | No | $779.84 | $779.84 | 8.625% | No | No |  | xxxxxx |  |  | 1 | xxxxxx | $526.68 | xxxxxx | $276.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/30/2022 | 712 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  | 240 | xxxxxx | $71186.03 | 46.000% |  | UTD |
| xxxxxx | 776910 | xxxxxx | N/A | xxxxxx | Yes | No | $1909.55 | $1909.55 | 8.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $726.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2022 | 629 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  | xxxxxx | $227161.25 |  |  | UTD |
| xxxxxx | 778241 | xxxxxx | N/A | xxxxxx | Yes | No | $3446.96 | $3446.96 | 7.625% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2825.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2022 | 728 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 777582 | xxxxxx | N/A | xxxxxx | Yes | No | $2884.26 | $2884.26 | 7.500% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $2538.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/03/2022 | 766 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  | xxxxxx | $17860.33 |  |  | UTD |
| xxxxxx | 777907 | xxxxxx | N/A | xxxxxx | Yes | No | $1724.29 | $1724.29 | 8.500% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $776.04 | xxxxxx | $525.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/05/2022 | 779 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.1 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  | xxxxxx | $107947.15 | 36.000% |  | UTD |
| xxxxxx | 778243 | xxxxxx | N/A | xxxxxx | Yes | No | $1645.92 | $1645.92 | 8.990% | No | No |  |  | xxxxxx | xxxxxx | 1 | xxxxxx | $1650.36 | xxxxxx | $508.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  | 780 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.66 | 1.52 |  |  | 240 | xxxxxx | $642250.36 |  |  | UTD |
| xxxxxx | 778259 | xxxxxx | N/A | xxxxxx | Yes | No | $914.29 | $914.29 | 7.125% | No | No |  |  | Permanent Resident Alien | xxxxxx | 1 | xxxxxx | $1167.96 |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 756 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  | 240 | xxxxxx | $136836.72 |  |  | UTD |
| xxxxxx | 778261 | xxxxxx | N/A | xxxxxx | Yes | No | $735.04 | $735.04 | 7.750% | No | No |  |  | Permanent Resident Alien | xxxxxx | 1 | xxxxxx | $1023.00 |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 756 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  | xxxxxx | $91579.78 |  |  | UTD |
| xxxxxx | 778254 | xxxxxx | N/A | xxxxxx | Yes | No | $2192.34 | $2192.34 | 7.065% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $716.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/03/2022 | 721 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.065% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  | xxxxxx | $20339.76 | 5.000% |  | UTD |
| xxxxxx | 778255 | xxxxxx | N/A | xxxxxx | Yes | No | $2192.34 | $2192.34 | 7.065% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $711.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/03/2022 | 721 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.065% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  | xxxxxx | $20339.76 | 5.000% |  | UTD |
| xxxxxx | 777867 | xxxxxx | N/A | xxxxxx | Yes | No | $1222.22 | $1222.22 | 9.000% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $656.52 | xxxxxx | $130.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/04/2022 | 682 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.5 | No | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.14 |  |  |  | xxxxxx | $1000.00 | 0.000% |  | UTD |
| xxxxxx | 778251 | xxxxxx | N/A | xxxxxx | Yes | No | $3990.00 | $3990.00 | 7.200% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2849.52 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2022 | 796 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.200% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  | 240 | xxxxxx | $107371.53 |  |  | UTD |
| xxxxxx | 777464 | xxxxxx | N/A | xxxxxx | Yes | No | $1205.28 | $1205.28 | 8.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1572.00 | xxxxxx | $575.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/25/2022 | 753 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.09 |  |  |  | xxxxxx | $191235.76 | 92.000% |  | UTD |
| xxxxxx | 778252 | xxxxxx | N/A | xxxxxx | Yes | No | $3943.65 | $3943.65 | 7.875% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2798.04 | xxxxxx | $250.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/05/2022 | 728 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  | xxxxxx | $38696.62 |  |  | UTD |
| xxxxxx | 778253 | xxxxxx | N/A | xxxxxx | Yes | No | $4040.09 | $4040.09 | 7.875% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2823.96 | xxxxxx | $250.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/05/2022 | 728 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  | xxxxxx | $51806.90 |  |  | UTD |
| xxxxxx | 773734 | xxxxxx | N/A | xxxxxx | Yes | No | $2873.81 | $2873.81 | 8.500% | No | No |  |  | xxxxxx |  | 6 | xxxxxx | $4458.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2022 | 738 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.81 | 0.55 |  |  |  | xxxxxx | $0.00 |  |  | UTD |
| xxxxxx | 773740 | xxxxxx | N/A | xxxxxx | Yes | No | $3094.88 | $3094.88 | 8.500% | No | No |  |  | xxxxxx |  | 6 | xxxxxx | $4668.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2022 | 738 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  | xxxxxx | $0.00 |  |  | UTD |
| xxxxxx | 776376 | xxxxxx | N/A | xxxxxx | Yes | No | $1893.63 | $1893.63 | 8.875% | No | No |  |  | xxxxxx |  | 6 | xxxxxx | $2958.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/27/2022 | 791 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 776837 | xxxxxx | N/A | xxxxxx | Yes | No | $2256.78 | $2256.78 | 7.875% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2255.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/26/2022 | 706 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  | xxxxxx | $106957.53 |  |  | UTD |
| xxxxxx | 777812 | xxxxxx | N/A | xxxxxx | Yes | No | $3356.23 | $3356.23 | 7.500% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2238.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/30/2022 | 786 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  | xxxxxx | $96693.21 |  |  | UTD |
| xxxxxx | 778256 | xxxxxx | N/A | xxxxxx | Yes | No | $967.34 | $967.34 | 7.550% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1609.56 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2022 | 739 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.550% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  | 240 | xxxxxx | $6701.76 |  |  | UTD |
| xxxxxx | 776916 | xxxxxx | N/A | xxxxxx | Yes | No | $2834.17 | $2834.17 | 8.000% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $896.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/15/2022 | 751 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.1 | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  | xxxxxx | $374117.17 |  |  | UTD |
| xxxxxx | 771667 | xxxxxx | N/A | xxxxxx | Yes | No | $1015.62 | $1015.62 | 8.125% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1278.96 | xxxxxx | $300.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/16/2022 | 711 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  | 240 | xxxxxx | $139455.58 |  |  | UTD |
| xxxxxx | 778257 | xxxxxx | N/A | xxxxxx | Yes | No | $4248.41 | $4248.41 | 8.250% | No | No |  |  | xxxxxx | xxxxxx | 1 | xxxxxx | $4980.84 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/26/2022 | 668 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.85 | 0.54 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 778171 | xxxxxx | N/A | xxxxxx | Yes | No | $1531.55 | $1531.55 | 8.000% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $959.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2022 | 690 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  | xxxxxx | $101175.12 | 36.000% |  | UTD |
| xxxxxx | 776470 | xxxxxx | N/A | xxxxxx | Yes | No | $2789.06 | $2789.06 | 9.375% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $3569.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2022 | 722 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.6 | Yes | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.56 | 1.79 |  |  | 240 | xxxxxx | $404146.61 |  |  | UTD |
| xxxxxx | 777124 | xxxxxx | N/A | xxxxxx | Yes | No | $2064.08 | $2064.08 | 7.990% | No | No |  |  | xxxxxx | xxxxxx | 1 | xxxxxx | $1041.00 | xxxxxx | $742.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/02/2022 | 715 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 4.1 | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.29 |  |  | 240 | xxxxxx | $337607.62 | 64.000% |  | UTD |
| xxxxxx | 777819 | xxxxxx | N/A | xxxxxx | Yes | No | $3475.63 | $3475.63 | 8.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $345.96 | xxxxxx | $9918.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/31/2022 | 746 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 3.6 | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.35 | 2.86 |  |  | 240 | xxxxxx | $60364.78 |  |  | UTD |
| xxxxxx | 778349 | xxxxxx | N/A | xxxxxx | Yes | No | $2468.23 | $2468.23 | 7.500% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $4797.36 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2022 | 694 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $24478.88 |  |  | UTD |
| xxxxxx | 778082 | xxxxxx | N/A | xxxxxx | Yes | No | $3229.44 | $3229.44 | 8.500% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1135.92 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/05/2022 | 692 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.6 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.46 | 2.15 |  |  |  | xxxxxx | $84989.43 |  |  | UTD |
| xxxxxx | 776402 | xxxxxx | N/A | xxxxxx | Yes | No | $1559.21 | $1559.21 | 9.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $703.08 | xxxxxx | $400.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/14/2022 | 765 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | Yes | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  |  | xxxxxx | $333219.03 | 100.000% |  | UTD |
| xxxxxx | 777425 | xxxxxx | N/A | xxxxxx | Yes | No | $2552.79 | $2552.79 | 8.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $942.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/06/2022 | 689 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.6 | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  | xxxxxx | $190600.26 |  |  | UTD |
| xxxxxx | 778119 | xxxxxx | N/A | xxxxxx | Yes | No | $1561.88 | $1561.88 | 8.250% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1331.16 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/27/2022 | 704 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.2 | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  | xxxxxx | $62293.35 |  |  | UTD |
| xxxxxx | 778217 | xxxxxx | N/A | xxxxxx | Yes | No | $3628.97 | $3628.97 | 7.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1398.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/15/2022 | 739 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.9 | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.36 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 776884 | xxxxxx | N/A | xxxxxx | Yes | No | $8221.95 | $8221.95 | 7.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2962.68 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/26/2022 | 740 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  | 240 | xxxxxx | $26232.25 | 1.000% |  | UTD |
| xxxxxx | 777518 | xxxxxx | N/A | xxxxxx | Yes | No | $2227.81 | $2227.81 | 8.875% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1092.96 | xxxxxx | $175.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/26/2022 | 726 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.2 | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  | xxxxxx | $265668.93 |  |  | UTD |
| xxxxxx | 777250 | xxxxxx | N/A | xxxxxx | Yes | No | $2863.29 | $2863.29 | 7.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1572.36 | xxxxxx | $84.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/07/2022 | 695 |  |  |  |  |  |  |  |  | No | No | Other | Chapter 7 | xxxxxx | 1 | 45.48 |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.3 | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  | xxxxxx | $195827.05 | 33.000% |  | UTD |
| xxxxxx | 778358 | xxxxxx | N/A | xxxxxx | Yes | No | $1100.65 | $1100.65 | 8.000% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $861.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2022 | 726 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $36413.16 |  |  | UTD |
| xxxxxx | 778209 | xxxxxx | N/A | xxxxxx | Yes | No | $1787.72 | $1787.72 | 8.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $141.96 | xxxxxx | $491.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/07/2022 | 739 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.9 | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  | xxxxxx | $5000.00 | 2.000% |  | UTD |
| xxxxxx | 776491 | xxxxxx | N/A | xxxxxx | Yes | No | $2633.20 | $2633.20 | 7.875% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $2601.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/17/2022 | 730 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  | 240 | xxxxxx | $245554.17 | 46.000% |  | UTD |
| xxxxxx | 770740 | xxxxxx | N/A | xxxxxx | Yes | No | $1276.04 | $1276.04 | 8.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1360.32 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2022 | 662 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  | 240 | xxxxxx | $157451.03 |  |  | UTD |
| xxxxxx | 777732 | xxxxxx | N/A | xxxxxx | Yes | No | $2131.33 | $2347.88 | 8.785% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1143.00 | xxxxxx | $1822.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/30/2022 | 667 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 4 | No | No | 8.785% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.59 |  |  |  | xxxxxx | $0.00 |  |  | UTD |
| xxxxxx | 777731 | xxxxxx | N/A | xxxxxx | Yes | No | $4589.34 | $5309.37 | 8.785% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1172.52 | xxxxxx | $677.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/05/2022 | 794 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.6 | N/A | No | 8.785% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $583059.99 | 65.000% |  | UTD |
| xxxxxx | 777863 | xxxxxx | N/A | xxxxxx | Yes | No | $3857.37 | $3857.37 | 7.875% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $1029.12 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/31/2022 | 798 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  |  | xxxxxx | $262376.03 | 35.000% |  | UTD |
| xxxxxx | 778207 | xxxxxx | N/A | xxxxxx | Yes | No | $3978.22 | $3978.22 | 8.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2917.56 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2022 | 703 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.57 | 1.75 |  |  |  | xxxxxx | $479642.00 |  |  | UTD |
| xxxxxx | 778371 | xxxxxx | N/A | xxxxxx | Yes | No | $1792.20 | $1792.20 | 9.750% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $1043.64 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/01/2022 | 753 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.8 | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.72 | 1.38 |  |  |  | xxxxxx | $95599.19 |  |  | UTD |
| xxxxxx | 778170 | xxxxxx | N/A | xxxxxx | Yes | No | $2400.83 | $2400.83 | 8.375% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1037.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/14/2022 | 769 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.4 | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  | 240 | xxxxxx | $284290.14 | 66.000% |  | UTD |
| xxxxxx | 777301 | xxxxxx | N/A | xxxxxx | Yes | No | $2960.32 | $2960.32 | 8.500% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $3160.92 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/10/2022 | 761 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.29 |  |  |  | xxxxxx | $851082.19 | 100.000% |  | UTD |
| xxxxxx | 775726 | xxxxxx | N/A | xxxxxx | Yes | No | $1705.45 | $1705.45 | 7.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $381.00 | xxxxxx | $30.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/06/2022 | 781 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  | xxxxxx | $387554.86 | 79.000% |  | UTD |
| xxxxxx | 777668 | xxxxxx | N/A | xxxxxx | Yes | No | $5067.54 | $5067.54 | 8.125% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $1025.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2022 | 760 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  |  | xxxxxx | $362434.85 | 40.000% |  | UTD |
| xxxxxx | 777837 | xxxxxx | N/A | xxxxxx | Yes | No | $1573.23 | $1778.88 | 8.805% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1215.96 | xxxxxx | $1320.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/26/2022 | 765 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.2 | N/A | No | 8.805% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  | xxxxxx | $25306.19 | 8.000% |  | UTD |
| xxxxxx | 778512 | xxxxxx | N/A | xxxxxx | Yes | No | $1612.44 | $1612.44 | 9.250% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $1772.88 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/16/2022 | 673 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.97 |  |  |  | xxxxxx | $39894.05 |  |  | UTD |
| xxxxxx | 778231 | xxxxxx | N/A | xxxxxx | Yes | No | $1649.45 | $1649.45 | 7.500% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $908.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/31/2022 | 735 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  | xxxxxx | $131133.36 | 39.000% |  | UTD |
| xxxxxx | 778511 | xxxxxx | N/A | xxxxxx | Yes | No | $2088.57 | $2088.57 | 8.875% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $4643.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/16/2022 | 673 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  | xxxxxx | $26939.93 |  |  | UTD |
| xxxxxx | 777728 | xxxxxx | N/A | xxxxxx | Yes | No | $1744.67 | $1918.34 | 8.233% | No | No |  |  | xxxxxx | xxxxxx | 1 | xxxxxx | $720.96 | xxxxxx | $1822.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/26/2022 | 770 | 779 | 769 | 791 | 770 | 752 | 788 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 4.6 | N/A | No | 8.233% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  | xxxxxx | $181849.32 | 53.000% |  | UTD |
| xxxxxx | 775996 | xxxxxx | N/A | xxxxxx | Yes | No | $1100.65 | $1100.65 | 8.000% | No | No |  | xxxxxx |  |  | 1 | xxxxxx | $756.12 | xxxxxx | $478.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/14/2022 | 780 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.6 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  | xxxxxx | $139489.33 |  |  | UTD |
| xxxxxx | 776342 | xxxxxx | N/A | xxxxxx | Yes | No | $1515.22 | $1515.22 | 8.000% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $990.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/03/2022 | 761 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3 | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  | xxxxxx | $56558.42 |  |  | UTD |
| xxxxxx | 778141 | xxxxxx | N/A | xxxxxx | Yes | No | $1339.69 | $1339.69 | 7.750% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $645.12 | xxxxxx | $180.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/30/2022 | 712 | 717 | 712 | 679 |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.3 | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $176383.45 |  |  | UTD |
| xxxxxx | 777670 | xxxxxx | N/A | xxxxxx | Yes | No | $1892.84 | $1892.84 | 8.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $756.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/17/2022 | 717 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.5 | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.16 |  |  |  | xxxxxx | $132609.56 |  |  | UTD |
| xxxxxx | 777719 | xxxxxx | N/A | xxxxxx | Yes | No | $6906.75 | $6906.75 | 7.375% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $1878.12 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2022 | 719 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  | xxxxxx | $335461.05 |  |  | UTD |
| xxxxxx | 777095 | xxxxxx | N/A | xxxxxx | Yes | No | $1575.03 | $1575.03 | 8.625% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1863.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2022 | 711 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  | xxxxxx | $81957.13 | 30.000% |  | UTD |
| xxxxxx | 777120 | xxxxxx | N/A | xxxxxx | Yes | No | $2392.09 | $2392.09 | 9.125% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $749.16 | xxxxxx | $461.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/03/2022 | 681 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.1 | Yes | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  | xxxxxx | $169960.02 | 40.000% |  | UTD |
| xxxxxx | 773748 | xxxxxx | N/A | xxxxxx | Yes | No | $1850.12 | $1850.12 | 7.500% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $3162.84 | xxxxxx | $84.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/29/2022 | 764 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 776345 | xxxxxx | N/A | xxxxxx | Yes | No | $1648.07 | $1648.07 | 9.500% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $1189.44 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2022 | 706 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  | xxxxxx | $106407.06 |  |  | UTD |
| xxxxxx | 776039 | xxxxxx | N/A | xxxxxx | Yes | No | $1223.18 | $1223.18 | 10.250% | No | No | xxxxxx |  |  |  | 4 | xxxxxx | $2099.88 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/03/2022 | 635 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 10.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  | xxxxxx | $24836.09 |  |  | UTD |
| xxxxxx | 776040 | xxxxxx | N/A | xxxxxx | Yes | No | $1223.18 | $1223.18 | 10.250% | No | No | xxxxxx |  |  |  | 4 | xxxxxx | $2099.88 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/03/2022 | 635 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 10.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  | xxxxxx | $24836.09 |  |  | UTD |
| xxxxxx | 778376 | xxxxxx | N/A | xxxxxx | Yes | No | $2227.81 | $2227.81 | 8.875% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $4704.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/17/2022 | 662 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  | xxxxxx | $274312.15 |  |  | UTD |
| xxxxxx | 776913 | xxxxxx | N/A | xxxxxx | Yes | No | $2722.26 | $2722.26 | 8.625% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $2605.20 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2022 | 710 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.06 | 0.49 |  |  |  | xxxxxx | $326317.07 |  |  | UTD |
| xxxxxx | 778829 | xxxxxx | N/A | xxxxxx | Yes | No | $1563.66 | $1563.66 | 9.750% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $2718.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2022 | 781 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.49 |  |  |  | xxxxxx |  |  |  | UTD |
| xxxxxx | 778464 | xxxxxx | N/A | xxxxxx | Yes | No | $3754.76 | $3754.76 | 8.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2289.96 | xxxxxx | $500.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/07/2022 | 752 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  | xxxxxx | $339442.56 | 45.000% |  | UTD |
| xxxxxx | 777909 | xxxxxx | N/A | xxxxxx | Yes | No | $1182.24 | $1182.24 | 8.625% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1039.56 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2022 | 778 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  | xxxxxx | $62948.16 | 33.000% |  | UTD |
| xxxxxx | 778263 | xxxxxx | N/A | xxxxxx | Yes | No | $1396.63 | $1400.88 | 8.408% | No | No | Foreign National |  |  |  | 1 | xxxxxx | $570.12 |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 8.408% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  | xxxxxx | $0.00 | 0.000% |  | UTD |
| xxxxxx | 777765 | xxxxxx | N/A | xxxxxx | Yes | No | $1671.33 | $1671.33 | 7.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $992.64 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/31/2022 | 676 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  | xxxxxx | $78122.97 |  |  | UTD |
| xxxxxx | 776998 | xxxxxx | N/A | xxxxxx | Yes | No | $2447.46 | $2447.46 | 9.250% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $6889.92 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/17/2022 | 695 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.64 | 1.57 |  |  |  | xxxxxx | $104599.74 | 25.000% | No | UTD |
| xxxxxx | 778067 | xxxxxx | N/A | xxxxxx | Yes | No | $2988.28 | $2988.28 | 9.375% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $3186.00 | xxxxxx | $37.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/29/2022 | 742 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.5 |  |  | 240 | xxxxxx | $5000.00 | 1.000% | No | UTD |
| xxxxxx | 778713 | xxxxxx | N/A | xxxxxx | Yes | No | $2648.69 | $2648.69 | 9.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1282.68 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2022 | 703 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.41 | 2.43 |  |  |  | xxxxxx | $305107.75 |  | No | UTD |
| xxxxxx | 777347 | xxxxxx | N/A | xxxxxx | Yes | No | $1953.29 | $1953.29 | 8.250% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1525.44 | xxxxxx | $450.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/19/2022 | 723 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  | xxxxxx | $248046.51 |  | No | UTD |
| xxxxxx | 778534 | xxxxxx | N/A | xxxxxx | Yes | No | $1432.13 | $1432.13 | 9.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1311.00 | xxxxxx | $225.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/14/2022 | 715 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 2.8 | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  | 240 | xxxxxx | $5001.72 | 2.000% | No | UTD |
| xxxxxx | 779087 | xxxxxx | N/A | xxxxxx | Yes | No | $2927.60 | $2927.60 | 9.125% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1170.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/07/2022 | 756 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  | 240 | xxxxxx | $120942.36 |  | No | UTD |
| xxxxxx | 777475 | xxxxxx | N/A | xxxxxx | Yes | No | $2803.13 | $2803.13 | 8.625% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $2123.04 | xxxxxx | $110.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/25/2022 | 690 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.8 | No | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  | 240 | xxxxxx | $454231.84 |  | No | UTD |
| xxxxxx | 777228 | xxxxxx | N/A | xxxxxx | Yes | No | $1142.58 | $1142.58 | 8.125% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $673.20 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/20/2022 | 757 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  | 240 | xxxxxx | $5000.00 | 2.000% | No | UTD |
| xxxxxx | 778984 | xxxxxx | N/A | xxxxxx | Yes | No | $3081.82 | $3081.82 | 9.875% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $719.04 | xxxxxx | $117.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/01/2022 | 687 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  | 240 | xxxxxx | $301499.27 | 56.000% | No | UTD |
| xxxxxx | 778850 | xxxxxx | N/A | xxxxxx | Yes | No | $9143.75 | $9143.75 | 9.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $903.00 | xxxxxx | $100.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/22/2022 | 782 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.9 | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.6 | 1.66 |  |  | 240 | xxxxxx | $822316.93 | 50.000% | No | UTD |
| xxxxxx | 778413 | xxxxxx | N/A | xxxxxx | Yes | No | $3250.39 | $3250.39 | 8.625% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2546.76 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2022 | 700 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 4.1 | Yes | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  | xxxxxx | $124799.62 | 21.000% | No | UTD |
| xxxxxx | 777249 | xxxxxx | N/A | xxxxxx | Yes | No | $4980.90 | $4980.90 | 8.250% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1481.16 | xxxxxx | $18.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/01/2022 | 667 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  | xxxxxx | $74016.05 |  | No | UTD |
| xxxxxx | 777526 | xxxxxx | N/A | xxxxxx | Yes | No | $2129.11 | $2129.11 | 7.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1269.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/01/2022 | 751 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.5 | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $197924.20 | 45.000% | No | UTD |
| xxxxxx | 778524 | xxxxxx | N/A | xxxxxx | Yes | No | $2587.10 | $2587.10 | 7.500% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $3790.56 | xxxxxx | $350.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/26/2022 | 741 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  | xxxxxx | $562660.86 | 100.000% | No | UTD |
| xxxxxx | 778389 | xxxxxx | N/A | xxxxxx | Yes | No | $1705.06 | $1705.06 | 7.750% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $842.04 | xxxxxx | $400.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/17/2022 | 761 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  | xxxxxx | $158931.94 | 47.000% | No | UTD |
| xxxxxx | 775922 | xxxxxx | N/A | xxxxxx | Yes | No | $1819.92 | $1819.92 | 7.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $800.04 | xxxxxx | $290.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/14/2022 | 662 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  | xxxxxx | $230382.21 |  | No | UTD |
| xxxxxx | 778812 | xxxxxx | N/A | xxxxxx | Yes | No | $9143.75 | $9143.75 | 9.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $849.00 | xxxxxx | $100.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/22/2022 | 782 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.6 | 1.67 |  |  | 240 | xxxxxx | $822221.08 | 50.000% | No | UTD |
| xxxxxx | 777715 | xxxxxx | N/A | xxxxxx | Yes | No | $7268.50 | $7268.50 | 8.250% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $7427.76 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/31/2022 | 745 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  | xxxxxx |  |  | No | UTD |
| xxxxxx | 778582 | xxxxxx | N/A | xxxxxx | Yes | No | $1323.57 | $1323.57 | 7.625% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $3234.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2022 | 707 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $27683.77 |  | No | UTD |
| xxxxxx | 778970 | xxxxxx | N/A | xxxxxx | Yes | No | $6646.38 | $6646.38 | 7.000% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $1956.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/28/2022 | 775 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  | xxxxxx | $173000.00 | 10.000% | No | UTD |
| xxxxxx | 778969 | xxxxxx | N/A | xxxxxx | Yes | No | $3192.58 | $3192.58 | 7.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $494.04 | xxxxxx | $108.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/14/2022 | 701 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  | xxxxxx | $297003.78 | 41.000% | No | UTD |
| xxxxxx | 777122 | xxxxxx | N/A | xxxxxx | Yes | No | $2797.26 | $2797.26 | 10.000% | No | No | xxxxxx |  |  |  | 8 | xxxxxx | $8493.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/06/2022 | 718 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 10.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  | xxxxxx | $150368.71 | 35.000% | No | UTD |
| xxxxxx | 776974 | xxxxxx | N/A | xxxxxx | Yes | No | $1180.05 | $1180.05 | 8.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $803.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/22/2022 | 648 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 4.3 | No | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  | xxxxxx | $133797.23 |  | No | UTD |
| xxxxxx | 777431 | xxxxxx | N/A | xxxxxx | Yes | No | $2197.25 | $2197.25 | 7.990% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $780.96 | xxxxxx | $550.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/24/2022 | 691 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.4 | Yes | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  | 240 | xxxxxx | $236081.85 |  | No | UTD |
| xxxxxx | 778157 | xxxxxx | N/A | xxxxxx | Yes | No | $3805.25 | $3805.25 | 9.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1296.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/10/2022 | 759 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.9 | Yes | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.72 | 1.39 |  |  |  | xxxxxx | $177288.43 | 29.000% | No | UTD |
| xxxxxx | 779147 | xxxxxx | N/A | xxxxxx | Yes | No | $2623.21 | $2623.21 | 8.000% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1899.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/25/2022 | 732 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.12 |  |  |  | xxxxxx | $319437.55 |  | No | UTD |
| xxxxxx | 778020 | xxxxxx | N/A | xxxxxx | Yes | No | $1911.04 | $1911.04 | 7.625% | No | No | xxxxxx | xxxxxx |  |  | 2 | xxxxxx | $1449.60 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2022 | 735 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  | xxxxxx | $127734.54 | 35.000% | No | UTD |
| xxxxxx | 778487 | xxxxxx | N/A | xxxxxx | Yes | No | $3542.56 | $3542.56 | 9.125% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1797.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/16/2022 | 670 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.8 | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.69 | 1.44 |  |  |  | xxxxxx | $20000.00 | 3.000% | No | UTD |
| xxxxxx | 779282 | xxxxxx | N/A | xxxxxx | Yes | No | $885.81 | $885.81 | 9.375% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $231.00 | xxxxxx | $310.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/20/2020 | 695 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  | xxxxxx | $55652.76 |  | No | UTD |
| xxxxxx | 776745 | xxxxxx | N/A | xxxxxx | Yes | No | $1038.45 | $1038.45 | 9.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1374.00 | xxxxxx | $192.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/08/2022 | 714 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  | xxxxxx | $115240.74 |  | No | UTD |
| xxxxxx | 778068 | xxxxxx | N/A | xxxxxx | Yes | No | $2308.64 | $2308.64 | 8.250% | No | No |  |  | Foreign National | Foreign National | 1 | xxxxxx | $1173.96 | xxxxxx | $100.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.1 | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $87800.00 | 20.000% | No | UTD |
| xxxxxx | 779049 | xxxxxx | N/A | xxxxxx | Yes | No | $1103.92 | $1179.57 | 8.582% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $401.04 | xxxxxx | $158.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/12/2022 | 749 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.7 | N/A | No | 8.582% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  | xxxxxx | $248164.18 | 100.000% | No | UTD |
| xxxxxx | 778664 | xxxxxx | N/A | xxxxxx | Yes | No | $5179.65 | $5179.65 | 8.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $5498.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/15/2022 | 699 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 2.4 | No | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.69 | 1.45 |  |  |  | xxxxxx | $408185.18 | 44.000% | No | UTD |
| xxxxxx | 777832 | xxxxxx | N/A | xxxxxx | Yes | No | $2165.36 | $2165.36 | 7.750% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $672.12 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/02/2022 | 741 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 2.3 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  | xxxxxx | $286933.22 |  | No | UTD |
| xxxxxx | 778931 | xxxxxx | N/A | xxxxxx | Yes | No | $2843.48 | $2843.48 | 8.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1131.96 | xxxxxx | $560.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/21/2022 | 768 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.1 | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.23 |  |  | 240 | xxxxxx | $180421.34 | 35.000% | No | UTD |
| xxxxxx | 779069 | xxxxxx | N/A | xxxxxx | Yes | No | $1949.33 | $1949.33 | 8.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $806.04 | xxxxxx | $217.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/24/2022 | 731 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 4 | No | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  | xxxxxx | $153239.58 | 44.000% | No | UTD |
| xxxxxx | 776889 | xxxxxx | N/A | xxxxxx | Yes | No | $4144.05 | $4144.05 | 7.375% | No | No |  | xxxxxx |  |  | 1 | xxxxxx | $5037.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2022 | 791 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  | xxxxxx | $590775.67 |  | No | UTD |
| xxxxxx | 778523 | xxxxxx | N/A | xxxxxx | Yes | No | $2105.87 | $2105.87 | 8.625% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1650.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/20/2022 | 782 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 4.9 | No | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  | xxxxxx | $175970.84 | 49.000% | No | UTD |
| xxxxxx | 779706 | xxxxxx | N/A | xxxxxx | Yes | No | $7776.37 | $7776.37 | 7.875% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2397.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2022 | 761 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.51 | 1.97 |  |  |  | xxxxxx | $345702.90 | 21.000% | No | UTD |
| xxxxxx | 779782 | xxxxxx | N/A | xxxxxx | Yes | No | $8575.00 | $8575.00 | 10.500% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $5552.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/02/2022 | 710 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 4.7 | No | No | 10.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  | 240 | xxxxxx |  |  | No | UTD |
| xxxxxx | 778486 | xxxxxx | N/A | xxxxxx | Yes | No | $1459.33 | $1459.33 | 8.750% | No | No |  |  | Permanent Resident Alien |  | 1 | xxxxxx | $648.96 | xxxxxx | $290.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/13/2022 | 715 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  | xxxxxx | $169009.96 |  | No | UTD |
| xxxxxx | 776545 | xxxxxx | N/A | xxxxxx | Yes | No | $1528.09 | $1528.09 | 7.875% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $2227.44 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/28/2022 | 727 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  | xxxxxx | $109326.59 | 39.000% | No | UTD |
| xxxxxx | 778357 | xxxxxx | N/A | xxxxxx | Yes | No | $1713.97 | $1946.58 | 8.582% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $714.96 | xxxxxx | $1822.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/13/2022 | 771 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.1 | N/A | No | 8.582% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  | xxxxxx | $161996.02 | 48.000% | No | UTD |
| xxxxxx | 779704 | xxxxxx | N/A | xxxxxx | Yes | No | $1789.74 | $1789.74 | 8.750% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1292.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2022 | 718 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  | xxxxxx | $64564.78 |  | No | UTD |
| xxxxxx | 777659 | xxxxxx | N/A | xxxxxx | Yes | No | $1077.89 | $1077.89 | 7.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1998.24 | xxxxxx | $28.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/19/2022 | 732 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  | 360 | xxxxxx | $166099.67 | 76.000% | No | UTD |
| xxxxxx | 777859 | xxxxxx | N/A | xxxxxx | Yes | No | $1088.24 | $1088.24 | 7.625% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $2187.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/28/2022 | 741 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  | xxxxxx | $71466.07 | 35.000% | No | UTD |
| xxxxxx | 767992 | xxxxxx | N/A | xxxxxx | Yes | No | $2681.33 | $2681.33 | 8.875% | No | No | xxxxxx |  |  |  | 4 | xxxxxx | $2304.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2022 | 739 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  | xxxxxx | $120559.25 |  | No | UTD |
| xxxxxx | 778485 | xxxxxx | N/A | xxxxxx | Yes | No | $2123.38 | $2340.38 | 8.658% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $770.04 | xxxxxx | $1822.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/15/2022 | 803 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.2 | N/A | No | 8.658% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  | xxxxxx | $245775.31 | 61.000% | No | UTD |
| xxxxxx | 779004 | xxxxxx | N/A | xxxxxx | Yes | No | $7776.56 | $7776.56 | 9.875% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $4616.88 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2022 | 722 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.61 | 1.64 |  |  | 240 | xxxxxx | $546079.81 | 40.000% | No | UTD |
| xxxxxx | 779469 | xxxxxx | N/A | xxxxxx | Yes | No | $2744.97 | $2744.97 | 8.875% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1059.12 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/27/2022 | 704 |  |  |  |  |  |  |  |  | No | No | Other | Chapter 7 | xxxxxx | 1 | 107.4 |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  | xxxxxx | $287498.26 | 62.000% | No | UTD |
| xxxxxx | 777937 | xxxxxx | N/A | xxxxxx | Yes | No | $1261.28 | $1261.28 | 9.500% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $1647.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/30/2022 | 655 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  | xxxxxx | $140760.46 |  | No | UTD |
| xxxxxx | 778265 | xxxxxx | N/A | xxxxxx | Yes | No | $2505.93 | $2505.93 | 8.125% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1167.96 | xxxxxx | $394.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/18/2022 | 726 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.5 | Yes | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.6 | 1.68 |  |  |  | xxxxxx | $4500.00 | 1.000% | No | UTD |
| xxxxxx | 778973 | xxxxxx | N/A | xxxxxx | Yes | No | $2061.97 | $2061.97 | 9.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $656.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/20/2022 | 781 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.58 | 1.73 |  |  |  | xxxxxx | $261978.99 |  | No | UTD |
| xxxxxx | 778385 | xxxxxx | N/A | xxxxxx | Yes | No | $4560.43 | $4560.43 | 8.375% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $5606.04 | xxxxxx | $585.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/12/2022 | 795 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 5 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  | xxxxxx | $202745.81 | 27.000% | No | UTD |
| xxxxxx | 779722 | xxxxxx | N/A | xxxxxx | Yes | No | $2592.62 | $2592.62 | 8.100% | No | No |  |  | xxxxxx | xxxxxx | 4 | xxxxxx | $2638.68 |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2022 | 706 |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.100% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  | xxxxxx | $59129.27 |  | No | UTD |
| xxxxxx | 779724 | xxxxxx | N/A | xxxxxx | Yes | No | $8713.49 | $8713.49 | 8.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $351.96 | xxxxxx | $1815.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/01/2022 | 815 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  | 240 | xxxxxx | $3733105.82 | 100.000% | No | UTD |
| xxxxxx | 778585 | xxxxxx | N/A | xxxxxx | Yes | No | $6512.61 | $6512.61 | 9.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2775.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/01/2022 | 728 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1.2 | No | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  | xxxxxx | $225860.98 | 23.000% | No | UTD |
| xxxxxx | 775087 | xxxxxx | N/A | xxxxxx | Yes | No | $1503.52 | $1503.52 | 9.750% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $1479.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2022 | 706 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.08 |  |  |  | xxxxxx | $104008.31 | 42.000% | No | UTD |
| xxxxxx | 778509 | xxxxxx | N/A | xxxxxx | Yes | No | $1929.44 | $1929.44 | 8.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $515.04 | xxxxxx | $295.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/14/2022 | 670 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  | xxxxxx | $130003.47 |  | No | UTD |
| xxxxxx | 779178 | xxxxxx | N/A | xxxxxx | Yes | No | $2537.11 | $2537.11 | 8.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2943.96 | xxxxxx | $225.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/01/2022 | 723 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.9 | Yes | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  |  | xxxxxx | $66352.36 | 15.000% | No | UTD |
| xxxxxx | 779198 | xxxxxx | N/A | xxxxxx | Yes | No | $2396.13 | $2396.13 | 8.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $635.16 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2022 | 709 |  |  |  |  |  |  |  |  | No | No | Other | Chapter 11 | xxxxxx | 1 | 36.48 |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  | xxxxxx | $797655.22 | 100.000% | No | UTD |
| xxxxxx | 778868 | xxxxxx | N/A | xxxxxx | Yes | No | $3656.79 | $3656.79 | 9.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2171.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/06/2022 | 666 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  | xxxxxx | $50000.00 | 8.000% | No | UTD |
| xxxxxx | 779048 | xxxxxx | N/A | xxxxxx | Yes | No | $1301.24 | $1393.78 | 9.394% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1400.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2022 | 749 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.394% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  | xxxxxx | $248664.18 | 100.000% | No | UTD |
| xxxxxx | 778031 | xxxxxx | N/A | xxxxxx | Yes | No | $1547.52 | $1789.60 | 8.781% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $951.24 | xxxxxx | $1001.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/02/2022 | 762 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.9 | N/A | No | 8.781% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  | xxxxxx | $211145.58 |  | No | UTD |
| xxxxxx | 778983 | xxxxxx | N/A | xxxxxx | Yes | No | $1848.98 | $1848.98 | 9.375% | No | No | Foreign National | Foreign National |  |  | 1 | xxxxxx | $475.44 | xxxxxx | $349.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.3 | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  | xxxxxx | $965760.00 | 100.000% | No | UTD |
| xxxxxx | 779208 | xxxxxx | N/A | xxxxxx | Yes | No | $4402.59 | $4402.59 | 8.000% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1005.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2022 | 812 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.5 | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.21 |  |  |  | xxxxxx | $712879.21 | 71.000% | No | UTD |
| xxxxxx | 778266 | xxxxxx | N/A | xxxxxx | Yes | No | $3212.06 | $3212.06 | 7.875% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $2000.52 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2022 | 672 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  | xxxxxx | $41680.33 |  | No | UTD |
| xxxxxx | 779022 | xxxxxx | N/A | xxxxxx | Yes | No | $1264.87 | $1264.87 | 9.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $757.80 | xxxxxx | $250.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/27/2022 | 759 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.9 | No | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.29 |  |  |  | xxxxxx | $69594.18 | 34.000% | No | UTD |
| xxxxxx | 779709 | xxxxxx | N/A | xxxxxx | Yes | No | $3460.11 | $3460.11 | 8.500% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $1125.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/14/2022 | 721 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1.9 | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  | xxxxxx | $15000.00 | 3.000% | No | UTD |
| xxxxxx | 779823 | xxxxxx | N/A | xxxxxx | Yes | No | $731.25 | $731.25 | 9.750% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2598.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2022 | 676 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 2.6 | Yes | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  | 240 | xxxxxx | $76787.88 |  | No | UTD |
| xxxxxx | 780463 | xxxxxx | N/A | xxxxxx | Yes | No | $1806.17 | $1806.17 | 9.875% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $2365.44 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/12/2022 | 645 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  | xxxxxx | $180281.66 |  | No | UTD |
| xxxxxx | 778264 | xxxxxx | N/A | xxxxxx | Yes | No | $4909.01 | $4909.01 | 8.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1236.12 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/13/2022 | 745 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.7 | No | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.58 | 1.73 |  |  |  | xxxxxx | $621194.72 |  | No | UTD |
| xxxxxx | 778488 | xxxxxx | N/A | xxxxxx | Yes | No | $3776.16 | $3776.16 | 8.750% | No | No |  |  | Permanent Resident Alien |  | 1 | xxxxxx | $1493.04 | xxxxxx | $408.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/13/2022 | 715 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.6 | No | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.12 |  |  |  | xxxxxx | $401687.49 | 51.000% | No | UTD |
| xxxxxx | 779473 | xxxxxx | N/A | xxxxxx | Yes | No | $3825.89 | $3825.89 | 9.500% | No | No |  |  | Foreign National |  | 1 | xxxxxx | $5429.40 |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  | xxxxxx | $1646149.09 | 100.000% | No | UTD |
| xxxxxx | 778553 | xxxxxx | N/A | xxxxxx | Yes | No | $1294.27 | $1294.27 | 8.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $621.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2022 | 722 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  | 240 | xxxxxx | $42445.39 |  | No | UTD |
| xxxxxx | 778554 | xxxxxx | N/A | xxxxxx | Yes | No | $1294.27 | $1294.27 | 8.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $693.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2022 | 722 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.6 | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.02 |  |  | 240 | xxxxxx | $31329.44 |  | No | UTD |
| xxxxxx | 778944 | xxxxxx | N/A | xxxxxx | Yes | No | $3047.51 | $3047.51 | 9.000% | No | No |  |  | xxxxxx | xxxxxx | 1 | xxxxxx | $1575.96 | xxxxxx | $125.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/26/2022 | 758 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.9 | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.6 | 1.67 |  |  |  | xxxxxx | $3000.00 | 1.000% | No | UTD |
| xxxxxx | 779057 | xxxxxx | N/A | xxxxxx | Yes | No | $4522.64 | $4522.64 | 9.375% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $1158.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2022 | 801 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  | xxxxxx | $162911.14 | 22.000% | No | UTD |
| xxxxxx | 778568 | xxxxxx | N/A | xxxxxx | Yes | No | $1516.68 | $1516.68 | 9.000% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2049.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2022 | 743 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.16 |  |  |  | xxxxxx | $7560.00 | 3.000% | No | UTD |
| xxxxxx | 777822 | xxxxxx | N/A | xxxxxx | Yes | No | $1885.19 | $1885.19 | 9.990% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1466.40 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/30/2022 | 797 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  | xxxxxx | $116047.82 | 39.000% | No | UTD |
| xxxxxx | 780333 | xxxxxx | N/A | xxxxxx | Yes | No | $2784.76 | $2784.76 | 8.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2576.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2022 | 743 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.1 | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  | xxxxxx | $192571.30 |  | No | UTD |
| xxxxxx | 778980 | xxxxxx | N/A | xxxxxx | Yes | No | $1153.39 | $1153.39 | 8.500% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $3858.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/25/2022 | 693 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.6 | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  | xxxxxx | $141705.37 |  | No | UTD |
| xxxxxx | 780093 | xxxxxx | N/A | xxxxxx | Yes | No | $3539.25 | $3539.25 | 8.250% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1368.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2022 | 699 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.2 | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  | 240 | xxxxxx | $985.00 |  | No | UTD |
| xxxxxx | 778819 | xxxxxx | N/A | xxxxxx | Yes | No | $2134.53 | $2134.53 | 9.750% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $2297.04 | xxxxxx | $50.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/22/2022 | 767 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.1 | No | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.61 | 1.65 |  |  |  | xxxxxx | $264845.77 | 76.000% | No | UTD |
| xxxxxx | 780174 | xxxxxx | N/A | xxxxxx | Yes | No | $5432.11 | $5432.11 | 9.625% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $627.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2022 | 727 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.53 | 1.88 |  |  | 240 | xxxxxx | $457803.07 | 51.000% | No | UTD |
| xxxxxx | 777877 | xxxxxx | N/A | xxxxxx | Yes | No | $1976.96 | $1976.96 | 9.000% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1163.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/15/2022 | 795 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.69 | 1.45 |  |  |  | xxxxxx | $152649.45 |  | No | UTD |
| xxxxxx | 780202 | xxxxxx | N/A | xxxxxx | Yes | No | $2625.89 | $2625.89 | 9.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1305.00 | xxxxxx | $1156.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/29/2022 | 640 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 4.4 | No | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  | xxxxxx | $303513.54 | 70.000% | No | UTD |
| xxxxxx | 779663 | xxxxxx | N/A | xxxxxx | Yes | No | $4375.07 | $4375.07 | 8.625% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2319.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/02/2022 | 778 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  | xxxxxx | $446672.95 |  | No | UTD |
| xxxxxx | 780406 | xxxxxx | N/A | xxxxxx | Yes | No | $3525.50 | $3525.50 | 9.875% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $1316.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/12/2022 | 683 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.7 | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  | xxxxxx | $206586.60 | 36.000% | No | UTD |
| xxxxxx | 780337 | xxxxxx | N/A | xxxxxx | Yes | No | $3707.94 | $3707.94 | 10.625% | No | No |  | xxxxxx |  |  | 1 | xxxxxx | $1880.16 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/04/2022 | 795 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2 | N/A | No | 10.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.58 | 1.72 |  |  |  | xxxxxx | $309064.28 | 54.000% | No | UTD |
| xxxxxx | 779660 | xxxxxx | N/A | xxxxxx | Yes | No | $5139.29 | $5139.29 | 9.250% | No | No |  | xxxxxx | xxxxxx |  | 2 | xxxxxx | $1067.16 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2022 | 759 | 759 | 780 | 756 |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.29 |  |  |  | xxxxxx | $494391.02 |  | No | UTD |
| xxxxxx | 778574 | xxxxxx | N/A | xxxxxx | Yes | No | $3254.05 | $3254.05 | 9.750% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $1647.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2022 | 738 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.5 | No | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  | xxxxxx | $153365.37 | 30.000% | No | UTD |
| xxxxxx | 780165 | xxxxxx | N/A | xxxxxx | Yes | No | $1341.20 | $1341.20 | 9.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1065.96 | xxxxxx | $360.00 |  | Annually | 0.000% | 0.000% | 0.000% | 10/11/2022 | 772 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.3 | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.34 |  |  |  | xxxxxx | $63514.12 | 30.000% | No | UTD |
| xxxxxx | 779840 | xxxxxx | N/A | xxxxxx | Yes | No | $3135.91 | $3135.91 | 9.750% | No | No |  |  | Foreign National |  | 1 | xxxxxx | $4879.44 |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 2.2 | No | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  | xxxxxx | $2060142.03 | 100.000% | No | UTD |
| xxxxxx | 778685 | xxxxxx | N/A | xxxxxx | Yes | No | $1903.31 | $1903.31 | 7.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $3096.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2022 | 798 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.2 | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  | xxxxxx | $152056.50 | 43.000% | No | UTD |
| xxxxxx | 780157 | xxxxxx | N/A | xxxxxx | Yes | No | $3351.91 | $3351.91 | 9.625% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1068.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2022 | 739 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.5 |  |  | 360 | xxxxxx | $199929.21 |  | No | UTD |
| xxxxxx | 779483 | xxxxxx | N/A | xxxxxx | Yes | No | $1095.13 | $1095.13 | 8.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $828.96 | xxxxxx | $722.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/04/2022 | 698 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.2 | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  | xxxxxx | $176864.73 | 93.000% | No | UTD |
| xxxxxx | 779526 | xxxxxx | N/A | xxxxxx | Yes | No | $3951.63 | $3951.63 | 7.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2349.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/04/2022 | 754 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  | xxxxxx | $219418.73 |  | No | UTD |
| xxxxxx | 778115 | xxxxxx | N/A | xxxxxx | Yes | No | $810.81 | $810.81 | 8.125% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1134.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2022 | 760 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.5 | Yes | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  | xxxxxx | $101218.43 |  | No | UTD |
| xxxxxx | 780490 | xxxxxx | N/A | xxxxxx | Yes | No | $3480.15 | $3480.15 | 10.625% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2925.24 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/07/2022 | 747 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.7 | N/A | No | 10.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  | xxxxxx | $210618.66 | 39.000% | No | UTD |
| xxxxxx | 778522 | xxxxxx | N/A | xxxxxx | Yes | No | $1928.88 | $2025.48 | 8.781% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $817.56 | xxxxxx | $1822.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/15/2022 | 670 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.9 | N/A | No | 8.781% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  | xxxxxx | $563.59 |  | No | UTD |
| xxxxxx | 774186 | xxxxxx | N/A | xxxxxx | Yes | No | $1408.09 | $1408.09 | 9.000% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1799.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/24/2022 | 690 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.13 |  |  |  | xxxxxx | $158348.54 |  | No | UTD |
| xxxxxx | 779047 | xxxxxx | N/A | xxxxxx | Yes | No | $2340.32 | $2340.32 | 10.125% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $2218.56 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/31/2022 | 706 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 10.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  | xxxxxx | $166111.03 | 44.000% | No | UTD |
| xxxxxx | 780632 | xxxxxx | N/A | xxxxxx | Yes | No | $2929.08 | $2929.08 | 9.125% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $1289.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/11/2022 | 793 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  | xxxxxx | $327482.81 | 50.000% | No | UTD |
| xxxxxx | 780578 | xxxxxx | N/A | xxxxxx | Yes | No | $3375.00 | $3375.00 | 10.125% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2215.44 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/17/2022 | 725 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 10.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  | 240 | xxxxxx | $113719.00 |  | No | UTD |
| xxxxxx | 779734 | xxxxxx | N/A | xxxxxx | Yes | No | $4591.07 | $4591.07 | 9.500% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $1617.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2022 | 713 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  | xxxxxx | $171546.44 |  | No | UTD |
| xxxxxx | 778909 | xxxxxx | N/A | xxxxxx | Yes | No | $2681.03 | $2681.03 | 9.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1346.04 | xxxxxx | $1284.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/22/2022 | 684 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  | xxxxxx | $212025.33 |  | No | UTD |
| xxxxxx | 780112 | xxxxxx | N/A | xxxxxx | Yes | No | $1920.95 | $1920.95 | 10.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $978.72 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2022 | 775 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 10.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  | xxxxxx | $226977.41 | 81.000% | No | UTD |
| xxxxxx | 780182 | xxxxxx | N/A | xxxxxx | Yes | No | $2948.62 | $2948.62 | 9.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2345.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/24/2022 | 772 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.6 | Yes | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  | xxxxxx | $119370.57 | 28.000% | No | UTD |
| xxxxxx | 779887 | xxxxxx | N/A | xxxxxx | Yes | No | $1450.32 | $1450.32 | 10.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1152.48 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2022 | 712 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 10.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.26 |  |  |  | xxxxxx | $58315.16 | 26.000% | No | UTD |
| xxxxxx | 779770 | xxxxxx | N/A | xxxxxx | Yes | No | $1563.10 | $1563.10 | 9.750% | No | No | Foreign National | Foreign National |  |  | 1 | xxxxxx | $402.00 | xxxxxx | $307.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.8 | N/A | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  | xxxxxx | $965760.00 | 100.000% | No | UTD |
| xxxxxx | 778433 | xxxxxx | N/A | xxxxxx | Yes | No | $3040.29 | $3040.29 | 8.375% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1449.96 | xxxxxx | $1125.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/08/2022 | 754 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  | xxxxxx | $561672.64 | 88.000% | No | UTD |
| xxxxxx | 778705 | xxxxxx | N/A | xxxxxx | Yes | No | $3937.50 | $3937.50 | 8.750% | No | No | Non-Permanent Resident Alien |  |  |  | 2 | xxxxxx | $1046.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/01/2022 | 732 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | No | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  | 240 | xxxxxx | $242905.71 | 34.000% | No | UTD |
| xxxxxx | 780343 | xxxxxx | N/A | xxxxxx | Yes | No | $1967.60 | $1967.60 | 9.500% | No | No | Foreign National |  |  |  | 1 | xxxxxx | $1757.04 | xxxxxx | $700.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  | xxxxxx | $391111.94 | 67.000% | No | UTD |
| xxxxxx | 779843 | xxxxxx | N/A | xxxxxx | Yes | No | $3689.25 | $3689.25 | 9.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $2594.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2022 | 723 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.6 | Yes | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  | xxxxxx | $15803.63 | 3.000% | No | UTD |
| xxxxxx | 778081 | xxxxxx | N/A | xxxxxx | Yes | No | $1308.04 | $1308.04 | 8.875% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $522.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2022 | 721 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.44 | 2.28 |  |  |  | xxxxxx | $299714.14 |  | No | UTD |
| xxxxxx | 780529 | xxxxxx | N/A | xxxxxx | Yes | No | $1659.34 | $1659.34 | 9.375% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $807.96 | xxxxxx | $115.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/26/2022 | 692 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  | xxxxxx | $216490.95 | 76.000% | No | UTD |
| xxxxxx | 779072 | xxxxxx | N/A | xxxxxx | Yes | No | $1902.63 | $1902.63 | 9.375% | No | No | Permanent Resident Alien | xxxxxx |  |  | 1 | xxxxxx | $258.00 | xxxxxx | $654.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/02/2022 | 780 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 4 | Yes | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.35 |  |  |  | xxxxxx | $142638.12 | 47.000% | No | UTD |
| xxxxxx | 780930 | xxxxxx | N/A | xxxxxx | Yes | No | $3067.18 | $3067.18 | 9.750% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $800.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/17/2022 | 731 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.2 | No | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  | xxxxxx | $178949.26 | 35.000% | No | UTD |
| xxxxxx | 780835 | xxxxxx | N/A | xxxxxx | Yes | No | $2460.00 | $2460.00 | 9.000% | No | No |  | xxxxxx |  |  | 1 | xxxxxx | $321.96 | xxxxxx | $870.87 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/05/2022 | 751 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.2 | Yes | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  | 360 | xxxxxx | $272086.96 |  | No | UTD |
| xxxxxx | 780695 | xxxxxx | N/A | xxxxxx | Yes | No | $4117.46 | $4117.46 | 8.875% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1425.00 | xxxxxx | $254.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/29/2022 | 762 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  | xxxxxx | $233369.01 | 34.000% | No | UTD |
| xxxxxx | 780430 | xxxxxx | N/A | xxxxxx | Yes | No | $9714.25 | $9714.25 | 9.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $3145.68 |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/02/2022 | 756 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | No | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.6 | 1.68 |  |  | 240 | xxxxxx | $634444.03 | 37.000% | No | UTD |
| xxxxxx | 776883 | xxxxxx | N/A | xxxxxx | Yes | No | $1996.20 | $1996.20 | 9.375% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2828.40 |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/03/2022 | 707 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  | xxxxxx | $79363.10 |  | No | UTD |
| xxxxxx | 781247 | xxxxxx | N/A | xxxxxx | Yes | No | $1954.58 | $1954.58 | 9.750% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $3042.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/19/2022 | 686 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  | xxxxxx | $203764.86 |  | No | UTD |
| xxxxxx | 779273 | xxxxxx | N/A | xxxxxx | Yes | No | $1416.06 | $1416.06 | 8.750% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $1331.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/04/2022 | 771 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | No | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  | xxxxxx | $0.00 | 0.000% | No | UTD |
| xxxxxx | 778925 | xxxxxx | N/A | xxxxxx | Yes | No | $9846.11 | $9846.11 | 8.875% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $4766.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/31/2022 | 722 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 2.1 | No | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  | xxxxxx | $927736.63 | 56.000% | No | UTD |
| xxxxxx | 779274 | xxxxxx | N/A | xxxxxx | Yes | No | $1426.05 | $1426.05 | 10.000% | No | No | Non-Permanent Resident Alien |  |  |  | 1 | xxxxxx | $1193.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/28/2022 | 700 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 5 | No | No | 10.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  | xxxxxx | $138099.92 |  | No | UTD |
| xxxxxx | 781770 | xxxxxx | N/A | xxxxxx | Yes | No | $3046.88 | $3046.88 | 9.750% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $693.12 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2022 | 709 | 709 | 719 | 691 |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.72 | 1.39 |  |  | 240 | xxxxxx | $181885.25 |  | No | UTD |
| xxxxxx | 778516 | xxxxxx | N/A | xxxxxx | Yes | No | $10873.96 | $10873.96 | 9.125% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $4391.04 | xxxxxx | $1830.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/08/2022 | 760 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3 | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  | 240 | xxxxxx | $238189.47 |  | No | UTD |
| xxxxxx | 781285 | xxxxxx | N/A | xxxxxx | Yes | No | $2442.92 | $2442.92 | 10.250% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $777.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2022 | 788 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 10.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  | 240 | xxxxxx | $268512.31 |  | No | UTD |
| xxxxxx | 779947 | xxxxxx | N/A | xxxxxx | Yes | No | $2583.38 | $2583.38 | 9.490% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2456.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/10/2022 | 685 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  | xxxxxx | $39862.63 |  | No | UTD |
| xxxxxx | 780004 | xxxxxx | N/A | xxxxxx | Yes | No | $1711.34 | $1711.34 | 7.865% | No | No | xxxxxx |  |  |  | 4 | xxxxxx | $1643.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/03/2022 | 725 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.865% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  | xxxxxx | $10000.00 | 3.000% | No | UTD |
| xxxxxx | 779951 | xxxxxx | N/A | xxxxxx | Yes | No | $1963.64 | $1963.64 | 9.740% | No | No |  |  | xxxxxx |  |  | xxxxxx | $2698.08 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2022 | 691 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 9.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.01 | 0.5 |  |  |  | xxxxxx | $77062.15 |  | No | UTD |
| xxxxxx | 779971 | xxxxxx | N/A | xxxxxx | Yes | No | $500.71 | $500.71 | 8.115% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $558.24 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/20/2022 | 704 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.115% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  | xxxxxx | $61396.93 | 68.000% | No | UTD |
| xxxxxx | 779957 | xxxxxx | N/A | xxxxxx | Yes | No | $6110.82 | $6110.82 | 10.240% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $3103.32 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/22/2022 | 694 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 10.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  | xxxxxx | $239350.15 | 26.000% | No | UTD |
| xxxxxx | 779903 | xxxxxx | N/A | xxxxxx | Yes | No | $2594.81 | $2594.81 | 9.115% | No | No | xxxxxx |  |  |  |  | xxxxxx | $2740.92 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/26/2022 | 643 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 9.115% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  | xxxxxx | $269831.64 |  | No | UTD |
| xxxxxx | 779979 | xxxxxx | N/A | xxxxxx | Yes | No | $1899.22 | $1899.22 | 8.990% | No | No |  |  | xxxxxx | xxxxxx | 2 | xxxxxx | $1319.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2022 | 708 |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  | xxxxxx | $73471.23 |  | No | UTD |
| xxxxxx | 779925 | xxxxxx | N/A | xxxxxx | Yes | No | $2035.20 | $2035.20 | 9.490% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2520.96 | xxxxxx | $250.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/02/2022 | 659 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  | xxxxxx | $56576.17 |  | No | UTD |
| xxxxxx | 780049 | xxxxxx | N/A | xxxxxx | Yes | No | $2858.99 | $2858.99 | 7.990% | No | No |  |  | xxxxxx |  |  | xxxxxx | $2278.92 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/10/2022 | 769 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  | xxxxxx | $17007.06 |  | No | UTD |
| xxxxxx | 780033 | xxxxxx | N/A | xxxxxx | Yes | No | $2100.24 | $2100.24 | 7.990% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $861.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2022 | 757 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  | xxxxxx | $126051.93 | 33.000% | No | UTD |
| xxxxxx | 780006 | xxxxxx | N/A | xxxxxx | Yes | No | $844.10 | $844.10 | 8.990% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1568.64 | xxxxxx | $200.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/22/2022 | 726 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  | xxxxxx | $6942.55 |  | No | UTD |
| xxxxxx | 779952 | xxxxxx | N/A | xxxxxx | Yes | No | $2898.43 | $2898.43 | 9.490% | No | No |  |  | Permanent Resident Alien |  | 1 | xxxxxx | $1211.04 | xxxxxx | $584.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/23/2022 | 691 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  | xxxxxx | $143455.54 | 31.000% | No | UTD |
| xxxxxx | 780066 | xxxxxx | N/A | xxxxxx | Yes | No | $1746.32 | $1746.32 | 7.490% | No | No | xxxxxx | xxxxxx |  |  | 2 | xxxxxx | $816.60 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2022 | 791 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  | xxxxxx | $234514.71 |  | No | UTD |
| xxxxxx | 780055 | xxxxxx | N/A | xxxxxx | Yes | No | $858.87 | $858.87 | 7.740% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $738.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/31/2022 | 777 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  | xxxxxx | $80038.18 |  | No | UTD |
| xxxxxx | 780030 | xxxxxx | N/A | xxxxxx | Yes | No | $1411.58 | $1411.58 | 8.490% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $1095.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/02/2022 | 754 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  | xxxxxx | $68450.51 | 28.000% | No | UTD |
| xxxxxx | 779940 | xxxxxx | N/A | xxxxxx | Yes | No | $1941.86 | $1941.86 | 9.240% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1278.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2022 | 673 |  |  |  |  |  |  |  |  | No | No | Other | Chapter 7 | xxxxxx | 1 | 66.12 |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  |  | xxxxxx | $118262.97 | 38.000% | No | UTD |
| xxxxxx | 779999 | xxxxxx | N/A | xxxxxx | Yes | No | $3491.23 | $3491.23 | 7.990% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $495.12 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/27/2022 | 721 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.63 | 1.59 |  |  |  | xxxxxx | $439496.78 |  | No | UTD |
| xxxxxx | 779973 | xxxxxx | N/A | xxxxxx | Yes | No | $2165.44 | $2165.44 | 7.490% | No | No | xxxxxx | xxxxxx |  |  | 2 | xxxxxx | $1968.48 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/10/2022 | 705 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.23 | 0.45 |  |  |  | xxxxxx | $811491.53 | 77.000% | No | UTD |
| xxxxxx | 780057 | xxxxxx | N/A | xxxxxx | Yes | No | $3475.64 | $3475.64 | 7.240% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $2906.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2022 | 780 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  | xxxxxx | $536683.95 | 56.000% | No | UTD |
| xxxxxx | 779933 | xxxxxx | N/A | xxxxxx | Yes | No | $2156.78 | $2156.78 | 9.740% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1966.56 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2022 | 667 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.58 | 1.73 |  |  |  | xxxxxx | $211279.73 |  | No | UTD |
| xxxxxx | 779996 | xxxxxx | N/A | xxxxxx | Yes | No | $1065.88 | $1065.88 | 8.490% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $705.00 | xxxxxx | $165.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/10/2022 | 720 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  | xxxxxx | $54270.22 | 29.000% | No | UTD |
| xxxxxx | 779976 | xxxxxx | N/A | xxxxxx | Yes | No | $4089.16 | $4089.16 | 8.115% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2703.48 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2022 | 706 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.115% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.55 | 1.81 |  |  |  | xxxxxx | $166793.66 | 23.000% | No | UTD |
| xxxxxx | 780053 | xxxxxx | N/A | xxxxxx | Yes | No | $814.92 | $814.92 | 7.865% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $597.00 | xxxxxx | $175.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/07/2022 | 774 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.865% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  | xxxxxx |  |  | No | UTD |
| xxxxxx | 779958 | xxxxxx | N/A | xxxxxx | Yes | No | $2829.55 | $2829.55 | 8.740% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $681.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/12/2022 | 695 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  |  | xxxxxx |  |  | No | UTD |
| xxxxxx | 780062 | xxxxxx | N/A | xxxxxx | Yes | No | $610.72 | $610.72 | 8.490% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $989.64 | xxxxxx | $2304.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/02/2022 | 792 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  | xxxxxx | $68262.31 |  | No | UTD |
| xxxxxx | 779945 | xxxxxx | N/A | xxxxxx | Yes | No | $1577.35 | $1577.35 | 9.740% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1731.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2022 | 677 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx |  |  | No | UTD |
| xxxxxx | 780017 | xxxxxx | N/A | xxxxxx | Yes | No | $1319.52 | $1319.52 | 7.990% | No | No | xxxxxx |  |  |  | 3 | xxxxxx | $7576.92 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/24/2022 | 736 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 | Closed End | No |  | xxxxxx | $157305.55 | 45.000% | No | UTD |
| xxxxxx | 780047 | xxxxxx | N/A | xxxxxx | Yes | No | $4025.93 | $4025.93 | 7.740% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $4270.08 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2022 | 768 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  | xxxxxx | $380381.28 | 51.000% | No | UTD |
| xxxxxx | 779900 | xxxxxx | N/A | xxxxxx | Yes | No | $1402.27 | $1402.27 | 9.115% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1980.24 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2022 | 638 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.115% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  | xxxxxx | $60501.35 |  | No | UTD |
| xxxxxx | 779962 | xxxxxx | N/A | xxxxxx | Yes | No | $626.01 | $626.01 | 8.865% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $693.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/27/2022 | 697 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.865% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  | xxxxxx | $1000.00 | 1.000% | No | UTD |
| xxxxxx | 779946 | xxxxxx | N/A | xxxxxx | Yes | No | $2425.86 | $2425.86 | 9.490% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1971.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2022 | 682 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  | xxxxxx | $114060.78 | 30.000% | No | UTD |
| xxxxxx | 779907 | xxxxxx | N/A | xxxxxx | Yes | No | $1759.66 | $1759.66 | 9.615% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1615.92 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/18/2022 | 646 |  |  |  |  |  |  |  |  | No | No | Other | Chapter 7 | xxxxxx | 1 | 115.44 |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.615% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  | xxxxxx | $55039.38 |  | No | UTD |
| xxxxxx | 780071 | xxxxxx | N/A | xxxxxx | Yes | No | $2455.08 | $2455.08 | 9.740% | No | No | Non-Permanent Resident Alien |  |  |  | 1 | xxxxxx | $1991.76 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/07/2022 | 705 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  | xxxxxx | $181740.77 | 41.000% | No | UTD |
| xxxxxx | 779905 | xxxxxx | N/A | xxxxxx | Yes | No | $7894.71 | $7894.71 | 9.365% | No | No |  |  | Permanent Resident Alien |  | 1 | xxxxxx | $5323.56 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/25/2022 | 644 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.365% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  | xxxxxx | $109984.51 |  | No | UTD |
| xxxxxx | 780035 | xxxxxx | N/A | xxxxxx | Yes | No | $675.51 | $675.51 | 8.240% | No | No |  |  | Permanent Resident Alien |  |  | xxxxxx | $0.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2022 | 757 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  |  | No | 8.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.85 | 0.54 |  |  |  | xxxxxx | $44270.18 |  | No | UTD |
| xxxxxx | 779963 | xxxxxx | N/A | xxxxxx | Yes | No | $4425.19 | $4425.19 | 9.365% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1827.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/02/2022 | 699 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.365% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.34 |  |  |  | xxxxxx | $67013.19 |  | No | UTD |
| xxxxxx | 779938 | xxxxxx | N/A | xxxxxx | Yes | No | $4442.32 | $4442.32 | 9.740% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $4100.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/16/2022 | 672 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  | xxxxxx |  |  | No | UTD |
| xxxxxx | 780037 | xxxxxx | N/A | xxxxxx | Yes | No | $1909.19 | $1909.19 | 7.615% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1435.80 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/22/2022 | 758 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.615% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  | xxxxxx | $143804.35 | 40.000% | No | UTD |
| xxxxxx | 779902 | xxxxxx | N/A | xxxxxx | Yes | No | $3072.82 | $3072.82 | 8.490% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1442.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2022 | 640 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  | xxxxxx | $577134.82 | 66.000% | No | UTD |
| xxxxxx | 780029 | xxxxxx | N/A | xxxxxx | Yes | No | $10570.61 | $10570.61 | 8.115% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1100.16 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2022 | 751 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.115% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.46 |  |  |  | xxxxxx | $56016.85 |  | No | UTD |
| xxxxxx | 780060 | xxxxxx | N/A | xxxxxx | Yes | No | $2147.16 | $2147.16 | 7.740% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $1755.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2022 | 790 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  | xxxxxx | $277788.63 |  | No | UTD |
| xxxxxx | 780024 | xxxxxx | N/A | xxxxxx | Yes | No | $1686.89 | $1686.89 | 7.865% | No | No |  |  | xxxxxx |  |  | xxxxxx | $4361.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/12/2022 | 745 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 7.865% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.85 | 0.54 |  |  |  | xxxxxx | $205020.51 |  | No | UTD |
| xxxxxx | 779989 | xxxxxx | N/A | xxxxxx | Yes | No | $6668.59 | $6668.59 | 8.490% | No | No | xxxxxx |  |  |  |  | xxxxxx | $11838.48 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2022 | 712 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  | xxxxxx | $39944.27 |  | No | UTD |
| xxxxxx | 779937 | xxxxxx | N/A | xxxxxx | Yes | No | $2210.29 | $2210.29 | 9.990% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1869.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/27/2022 | 671 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  | 300 | xxxxxx | $60218.34 |  | No | UTD |
| xxxxxx | 780038 | xxxxxx | N/A | xxxxxx | Yes | No | $20199.15 | $20199.15 | 8.365% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $19133.28 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/19/2022 | 761 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.365% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.49 |  |  |  | xxxxxx | $57219035.59 |  | No | UTD |
| xxxxxx | 780022 | xxxxxx | N/A | xxxxxx | Yes | No | $3442.62 | $3442.62 | 8.740% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2192.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2022 | 742 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.59 | 1.7 |  |  |  | xxxxxx | $36974.97 |  | No | UTD |
| xxxxxx | 779901 | xxxxxx | N/A | xxxxxx | Yes | No | $698.06 | $698.06 | 9.365% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $767.28 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/31/2022 | 638 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.365% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  | xxxxxx | $75510.73 | 54.000% | No | UTD |
| xxxxxx | 779934 | xxxxxx | N/A | xxxxxx | Yes | No | $1018.95 | $1018.95 | 8.990% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $459.00 | xxxxxx | $270.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/30/2022 | 667 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.7 | 1.42 |  |  |  | xxxxxx | $3000.00 | 2.000% | No | UTD |
| xxxxxx | 780072 | xxxxxx | N/A | xxxxxx | Yes | No | $1501.13 | $1501.13 | 8.240% | No | No | Foreign National |  |  |  | 1 | xxxxxx | $991.20 | xxxxxx | $72.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  | xxxxxx | $672638.42 | 80.000% | No | UTD |
| xxxxxx | 779974 | xxxxxx | N/A | xxxxxx | Yes | No | $5585.42 | $5585.42 | 9.990% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $3587.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2022 | 705 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.36 | 2.79 |  |  |  | xxxxxx | $616264.85 |  | No | UTD |
| xxxxxx | 779992 | xxxxxx | N/A | xxxxxx | Yes | No | $1316.70 | $1316.70 | 9.240% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $750.00 | xxxxxx | $160.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/08/2022 | 715 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  | 300 | xxxxxx | $76437.46 |  | No | UTD |
| xxxxxx | 779975 | xxxxxx | N/A | xxxxxx | Yes | No | $1322.48 | $1322.48 | 9.240% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $750.00 | xxxxxx | $160.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/08/2022 | 715 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  | 300 | xxxxxx | $78039.78 |  | No | UTD |
| xxxxxx | 779918 | xxxxxx | N/A | xxxxxx | Yes | No | $3576.24 | $3576.24 | 8.740% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1448.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/30/2022 | 655 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.58 | 1.73 |  |  |  | xxxxxx | $324469.12 | 46.000% | No | UTD |
| xxxxxx | 780001 | xxxxxx | N/A | xxxxxx | Yes | No | $2303.18 | $2303.18 | 8.990% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $954.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2022 | 723 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  | xxxxxx | $274465.09 |  | No | UTD |
| xxxxxx | 780052 | xxxxxx | N/A | xxxxxx | Yes | No | $4494.38 | $4494.38 | 7.990% | No | No |  |  | xxxxxx | xxxxxx | 1 | xxxxxx | $3996.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2022 | 773 |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.29 |  |  | 240 | xxxxxx | $50600.00 | 6.000% | No | UTD |
| xxxxxx | 779961 | xxxxxx | N/A | xxxxxx | Yes | No | $854.29 | $854.29 | 8.365% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $986.28 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2022 | 696 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.365% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  | xxxxxx | $93696.92 | 62.000% | No | UTD |
| xxxxxx | 779988 | xxxxxx | N/A | xxxxxx | Yes | No | $1323.20 | $1323.20 | 9.490% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $3270.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2022 | 711 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.35 |  |  |  | xxxxxx | $397901.58 | 100.000% | No | UTD |
| xxxxxx | 779981 | xxxxxx | N/A | xxxxxx | Yes | No | $3949.58 | $3949.58 | 8.740% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $959.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2022 | 708 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.48 |  |  |  | xxxxxx |  |  | No | UTD |
| xxxxxx | 780018 | xxxxxx | N/A | xxxxxx | Yes | No | $1890.28 | $1890.28 | 9.490% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2963.04 | xxxxxx | $70.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/16/2022 | 736 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.7 | 1.43 |  |  |  | xxxxxx |  |  | No | UTD |
| xxxxxx | 779955 | xxxxxx | N/A | xxxxxx | Yes | No | $887.71 | $887.71 | 9.240% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1538.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/01/2022 | 691 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  | xxxxxx | $97647.80 |  | No | UTD |
| xxxxxx | 779956 | xxxxxx | N/A | xxxxxx | Yes | No | $869.15 | $869.15 | 9.740% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $486.72 | xxxxxx | $209.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/28/2022 | 693 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.740% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.58 | 1.71 |  |  |  | xxxxxx | $91705.57 |  | No | UTD |
| xxxxxx | 779986 | xxxxxx | N/A | xxxxxx | Yes | No | $3301.14 | $3301.14 | 8.740% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1550.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2022 | 711 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  | xxxxxx | $64338.74 |  | No | UTD |
| xxxxxx | 780009 | xxxxxx | N/A | xxxxxx | Yes | No | $750.56 | $750.56 | 8.240% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $501.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/06/2022 | 730 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  | xxxxxx | $94591.84 |  | No | UTD |
| xxxxxx | 779967 | xxxxxx | N/A | xxxxxx | Yes | No | $3713.79 | $3713.79 | 8.740% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1739.76 | xxxxxx | $150.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/30/2022 | 701 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.35 |  |  |  | xxxxxx | $213121.30 |  | No | UTD |
| xxxxxx | 780013 | xxxxxx | N/A | xxxxxx | Yes | No | $6228.22 | $6228.22 | 8.490% | No | No |  |  | xxxxxx |  |  | xxxxxx | $9300.48 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2022 | 734 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  |  | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  | xxxxxx | $66411.54 |  | No | UTD |
| xxxxxx | 779922 | xxxxxx | N/A | xxxxxx | Yes | No | $882.03 | $882.03 | 9.740% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $858.72 | xxxxxx | $237.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/15/2022 | 657 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  | xxxxxx | $1500.00 | 1.000% | No | UTD |
| xxxxxx | 780067 | xxxxxx | N/A | xxxxxx | Yes | No | $2509.11 | $2509.11 | 8.740% | No | No |  |  | Foreign National |  | 1 | xxxxxx | $3234.24 | xxxxxx | $186.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  | 300 | xxxxxx | $308953.29 |  | No | UTD |
| xxxxxx | 779998 | xxxxxx | N/A | xxxxxx | Yes | No | $1832.67 | $1832.67 | 7.990% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $2570.28 | xxxxxx | $0.00 |  |  | 0.000% | 0.000% | 0.000% | 08/04/2022 | 721 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.04 | 0.49 |  |  |  | xxxxxx | $230870.13 |  | No | UTD |
| xxxxxx | 780020 | xxxxxx | N/A | xxxxxx | Yes | No | $2292.68 | $2292.68 | 9.240% | No | No | xxxxxx |  |  |  |  | xxxxxx | $2853.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/26/2022 | 739 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 9.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  | 300 | xxxxxx | $126130.76 |  | No | UTD |
| xxxxxx | 780045 | xxxxxx | N/A | xxxxxx | Yes | No | $1275.30 | $1275.30 | 7.990% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $348.96 | xxxxxx | $123.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/23/2022 | 766 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  | 240 | xxxxxx | $140819.19 | 55.000% | No | UTD |
| xxxxxx | 780048 | xxxxxx | N/A | xxxxxx | Yes | No | $7025.28 | $7025.28 | 8.240% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $4051.92 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2022 | 768 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  | xxxxxx | $380381.28 |  | No | UTD |
| xxxxxx | 780025 | xxxxxx | N/A | xxxxxx | Yes | No | $4946.23 | $4946.23 | 9.490% | No | No | Non-Permanent Resident Alien |  |  |  | 2 | xxxxxx | $4867.80 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2022 | 745 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.65 | 1.54 |  |  |  | xxxxxx | $461870.96 | 56.000% | No | UTD |
| xxxxxx | 779897 | xxxxxx | N/A | xxxxxx | Yes | No | $1073.21 | $1073.21 | 8.990% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $558.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/17/2022 | 630 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | No | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  | xxxxxx | $122807.62 |  | No | UTD |
| xxxxxx | 780050 | xxxxxx | N/A | xxxxxx | Yes | No | $675.04 | $675.04 | 8.115% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $486.84 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/03/2022 | 770 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.115% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  | xxxxxx | $62123.91 |  | No | UTD |
| xxxxxx | 779894 | xxxxxx | N/A | xxxxxx | Yes | No | $3953.29 | $3953.29 | 9.615% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1938.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/30/2022 | 620 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.615% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.69 | 1.44 |  |  |  | xxxxxx | $53691.63 |  | No | UTD |
| xxxxxx | 779917 | xxxxxx | N/A | xxxxxx | Yes | No | $934.54 | $934.54 | 8.990% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1493.52 | xxxxxx | $70.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/08/2022 | 655 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  | xxxxxx | $4434.20 |  | No | UTD |
| xxxxxx | 780016 | xxxxxx | N/A | xxxxxx | Yes | No | $3630.85 | $3630.85 | 8.240% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2199.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2022 | 736 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  | xxxxxx | $217000.00 | 34.000% | No | UTD |
| xxxxxx | 779993 | xxxxxx | N/A | xxxxxx | Yes | No | $3150.47 | $3150.47 | 9.490% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $3739.08 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/01/2022 | 716 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.52 | 1.93 |  |  |  | xxxxxx | $39528.26 | 8.000% | No | UTD |
| xxxxxx | 779911 | xxxxxx | N/A | xxxxxx | Yes | No | $934.97 | $934.97 | 9.240% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1026.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/14/2022 | 651 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  | xxxxxx | $9623.25 |  | No | UTD |
| xxxxxx | 779949 | xxxxxx | N/A | xxxxxx | Yes | No | $4545.69 | $4545.69 | 9.365% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1541.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/17/2022 | 687 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.365% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  | xxxxxx | $172596.23 |  | No | UTD |
| xxxxxx | 779939 | xxxxxx | N/A | xxxxxx | Yes | No | $4572.62 | $4572.62 | 9.115% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $3026.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/06/2022 | 672 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.115% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.47 | 2.15 |  |  |  | xxxxxx | $206375.59 |  | No | UTD |
| xxxxxx | 779965 | xxxxxx | N/A | xxxxxx | Yes | No | $3347.84 | $3347.84 | 9.740% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1671.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/07/2022 | 699 | 798 | 696 | 699 |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.48 | 2.07 |  |  |  | xxxxxx | $363801.55 |  | No | UTD |
| xxxxxx | 779923 | xxxxxx | N/A | xxxxxx | Yes | No | $14272.22 | $14272.22 | 9.865% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $12645.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/30/2022 | 657 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.865% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.35 |  |  |  | xxxxxx | $536112.52 |  | No | UTD |
| xxxxxx | 780003 | xxxxxx | N/A | xxxxxx | Yes | No | $3798.44 | $3798.44 | 8.990% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $1077.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/02/2022 | 724 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  | xxxxxx | $124452.82 |  | No | UTD |
| xxxxxx | 780039 | xxxxxx | N/A | xxxxxx | Yes | No | $15415.14 | $15415.14 | 8.365% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $8126.64 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/19/2022 | 761 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.365% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.44 | 2.27 |  |  |  | xxxxxx | $56619113.10 |  | No | UTD |
| xxxxxx | 779968 | xxxxxx | N/A | xxxxxx | Yes | No | $3978.34 | $3978.34 | 8.490% | No | No | xxxxxx | xxxxxx |  |  |  | xxxxxx | $5649.12 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2022 | 702 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 8.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  | xxxxxx |  |  | No | UTD |
| xxxxxx | 780011 | xxxxxx | N/A | xxxxxx | Yes | No | $789.15 | $789.15 | 9.990% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $936.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2022 | 732 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  | xxxxxx | $61274.00 |  | No | UTD |
| xxxxxx | 780032 | xxxxxx | N/A | xxxxxx | Yes | No | $506.63 | $506.63 | 8.240% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1433.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2022 | 756 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  | xxxxxx | $57183.68 |  | No | UTD |
| xxxxxx | 779954 | xxxxxx | N/A | xxxxxx | Yes | No | $1064.86 | $1064.86 | 9.490% | No | No | xxxxxx |  |  |  |  | xxxxxx | $1968.84 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/01/2022 | 691 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  |  | No | 9.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  | xxxxxx | $114989.50 |  | No | UTD |
| xxxxxx | 779966 | xxxxxx | N/A | xxxxxx | Yes | No | $611.98 | $611.98 | 8.115% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $240.00 | xxxxxx | $273.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/02/2022 | 699 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.115% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  | xxxxxx | $111617.53 | 100.000% | No | UTD |
| xxxxxx | 779991 | xxxxxx | N/A | xxxxxx | Yes | No | $1322.48 | $1322.48 | 9.240% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $750.00 | xxxxxx | $160.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/08/2022 | 715 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  | 300 | xxxxxx | $78084.18 |  | No | UTD |
| xxxxxx | 780002 | xxxxxx | N/A | xxxxxx | Yes | No | $2122.16 | $2122.16 | 8.740% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $450.96 | xxxxxx | $300.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/01/2022 | 724 |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.49 |  |  |  | xxxxxx | $105626.77 |  | No | UTD |
| xxxxxx | 780046 | xxxxxx | N/A | xxxxxx | Yes | No | $7339.84 | $7339.84 | 7.990% | No | No |  | xxxxxx |  |  | 1 | xxxxxx | $1941.36 | xxxxxx | $1186.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/03/2022 | 766 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  | xxxxxx | $462404.64 | 34.000% | No | UTD |
| xxxxxx | 779959 | xxxxxx | N/A | xxxxxx | Yes | No | $3798.51 | $3798.51 | 9.740% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $127.92 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/12/2022 | 695 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  | xxxxxx | $12956.96 |  | No | UTD |
| xxxxxx | 780042 | xxxxxx | N/A | xxxxxx | Yes | No | $3738.64 | $3738.64 | 7.990% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1892.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/03/2022 | 763 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.55 | 1.81 |  |  |  | xxxxxx | $35000.00 | 5.000% | No | UTD |
| xxxxxx | 779912 | xxxxxx | N/A | xxxxxx | Yes | No | $4244.61 | $4244.61 | 8.990% | No | No | xxxxxx |  |  |  | 2 | xxxxxx | $3365.88 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2022 | 653 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  | xxxxxx | $156951.15 |  | No | UTD |
| xxxxxx | 779913 | xxxxxx | N/A | xxxxxx | Yes | No | $1770.49 | $1770.49 | 9.740% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $3183.36 | xxxxxx | $550.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/23/2022 | 654 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  | xxxxxx | $0.00 | 0.000% | No | UTD |
| xxxxxx | 779931 | xxxxxx | N/A | xxxxxx | Yes | No | $1431.64 | $1431.64 | 9.615% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $1950.00 | xxxxxx | $300.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/26/2022 | 665 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.615% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  | xxxxxx | $35242.71 |  | No | UTD |
| xxxxxx | 779927 | xxxxxx | N/A | xxxxxx | Yes | No | $5577.08 | $5577.08 | 8.990% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1767.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/17/2022 | 660 |  |  |  |  |  |  |  |  | No | No | Other | Chapter 7 | xxxxxx | 1 | 48.24 |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.71 | 1.41 |  |  |  | xxxxxx | $5000.00 | 1.000% | No | UTD |
| xxxxxx | 779895 | xxxxxx | N/A | xxxxxx | Yes | No | $2717.44 | $2717.44 | 9.365% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $2458.08 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/03/2022 | 628 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.365% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  | xxxxxx | $50337.52 |  | No | UTD |
| xxxxxx | 779909 | xxxxxx | N/A | xxxxxx | Yes | No | $1120.03 | $1120.03 | 8.740% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $507.00 | xxxxxx | $564.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/04/2022 | 648 |  |  |  |  |  |  |  |  | No | No | Other | Chapter 7 | xxxxxx | 1 | 58.32 |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  | xxxxxx | $48576.50 |  | No | UTD |
| xxxxxx | 779943 | xxxxxx | N/A | xxxxxx | Yes | No | $1337.58 | $1337.58 | 9.615% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $825.00 | xxxxxx | $197.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/08/2022 | 676 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.615% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.73 | 1.36 |  |  |  | xxxxxx | $100.00 | 0.000% | No | UTD |
| xxxxxx | 779953 | xxxxxx | N/A | xxxxxx | Yes | No | $4568.18 | $4568.18 | 9.490% | No | No |  |  | Permanent Resident Alien |  | 1 | xxxxxx | $1211.04 | xxxxxx | $873.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/23/2022 | 691 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.34 |  |  |  | xxxxxx | $74698.56 | 10.000% | No | UTD |
| xxxxxx | 780012 | xxxxxx | N/A | xxxxxx | Yes | No | $602.93 | $602.93 | 8.990% | No | No |  |  | xxxxxx |  | 1 | xxxxxx | $2733.48 |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/10/2022 | 733 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  | xxxxxx | $18292.66 |  | No | UTD |
| xxxxxx | 780061 | xxxxxx | N/A | xxxxxx | Yes | No | $4889.71 | $4889.71 | 7.490% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $16680.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/18/2022 | 792 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.94 | 0.52 |  |  |  | xxxxxx | $641639.77 |  | No | UTD |
| xxxxxx | 781383 | xxxxxx | N/A | xxxxxx | Yes | No | $3713.69 | $3713.69 | 9.750% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $2759.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2022 | 678 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | No | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  | xxxxxx | $332621.42 |  | No | UTD |
| xxxxxx | 781385 | xxxxxx | N/A | xxxxxx | Yes | No | $2917.65 | $2917.65 | 9.875% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $2331.48 |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2022 | 678 |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | No | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  | xxxxxx | $261309.36 |  | No | UTD |
| xxxxxx | 781291 | xxxxxx | N/A | xxxxxx | Yes | No | $7031.25 | $7031.25 | 9.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $5358.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2022 | 791 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.9 | No | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  | 240 | xxxxxx | $625736.97 |  | No | UTD |
| xxxxxx | 781142 | xxxxxx | N/A | xxxxxx | Yes | No | $3768.75 | $3768.75 | 9.000% | No | No | Permanent Resident Alien |  |  |  | 1 | xxxxxx | $2052.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/01/2022 | 712 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  | 240 | xxxxxx | $138083.90 | 21.000% | No | UTD |
| xxxxxx | 780080 | xxxxxx | N/A | xxxxxx | Yes | No | $1396.75 | $1396.75 | 10.125% | No | No |  |  | xxxxxx |  | 2 | xxxxxx | $2055.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2022 | 744 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 10.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  | xxxxxx | $145622.85 |  | No | UTD |
| xxxxxx | 781902 | xxxxxx | N/A | xxxxxx | Yes | No | $2142.83 | $2142.83 | 10.750% | No | No | Non-Permanent Resident Alien |  |  |  | 1 | xxxxxx | $1208.04 | xxxxxx | $110.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/19/2022 | 712 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 2.1 | Yes | No | 10.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  | 240 | xxxxxx | $92500.00 | 25.000% | No | UTD |
| xxxxxx | 781357 | xxxxxx | N/A | xxxxxx | Yes | No | $1328.13 | $1328.13 | 10.625% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $576.00 | xxxxxx | $395.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/28/2022 | 733 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 10.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  | 240 | xxxxxx | $18194.61 | 9.000% | No | UTD |
| xxxxxx | 779068 | xxxxxx | N/A | xxxxxx | Yes | No | $6422.18 | $6422.18 | 9.750% | No | No | xxxxxx |  |  |  | 5 | xxxxxx | $11780.64 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2022 | 659 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  | xxxxxx | $3024148.08 | 100.000% | No | UTD |
| xxxxxx | 781630 | xxxxxx | N/A | xxxxxx | Yes | No | $4235.07 | $4235.07 | 9.625% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1043.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/04/2022 | 707 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.1 | No | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  | xxxxxx | $140839.00 |  | No | UTD |
| xxxxxx | 780347 | xxxxxx | N/A | xxxxxx | Yes | No | $9440.40 | $9440.40 | 8.750% | No | No | Foreign National | Foreign National |  |  | 1 | xxxxxx | $2255.04 | xxxxxx | $721.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.2 | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.1 | 0.48 |  |  |  | xxxxxx | $984472.26 |  | No | UTD |
| xxxxxx | 780913 | xxxxxx | N/A | xxxxxx | Yes | No | $2102.70 | $2102.70 | 10.250% | No | No |  |  | xxxxxx |  | 3 | xxxxxx | $3135.12 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2022 | 648 |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 10.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.62 |  |  |  | xxxxxx | $56518.12 |  | No | UTD |
| xxxxxx | 779112 | xxxxxx | N/A | xxxxxx | Yes | No | $2539.92 | $2539.92 | 9.875% | No | No | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1823.04 |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2022 | 769 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.6 | No | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  | xxxxxx | $142432.75 | 36.000% | No | UTD |
| xxxxxx | 781787 | xxxxxx | N/A | xxxxxx | Yes | No | $2988.13 | $2988.13 | 10.000% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $888.48 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2022 | 723 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 |  | N/A | No | 10.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  | xxxxxx | $31133.59 |  | No | UTD |
| xxxxxx | 782081 | xxxxxx | N/A | xxxxxx | Yes | No | $1521.95 | $1521.95 | 9.250% | No | No | Not Provided |  |  |  | 1 | xxxxxx | $476.76 | xxxxxx | $80.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/15/2022 | 697 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 2.5 | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  | xxxxxx | $92596.82 |  | No | UTD |
| xxxxxx | 781869 | xxxxxx | N/A | xxxxxx | Yes | No | $1194.26 | $1194.26 | 8.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1296.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2022 | 708 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.6 | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.78 | 0.56 |  |  |  | xxxxxx | $135322.86 |  | No | UTD |
| xxxxxx | 780602 | xxxxxx | N/A | xxxxxx | Yes | No | $4193.76 | $4193.76 | 9.500% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1263.12 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2022 | 714 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  | xxxxxx | $244846.40 | 37.000% | No | UTD |
| xxxxxx | 781431 | xxxxxx | N/A | xxxxxx | Yes | No | $2135.00 | $2135.00 | 9.750% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $1166.04 | xxxxxx | $146.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/06/2022 | 725 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1.7 | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  | xxxxxx | $180301.99 | 51.000% | No | UTD |
| xxxxxx | 781986 | xxxxxx | N/A | xxxxxx | Yes | No | $2507.36 | $2507.36 | 9.875% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $5844.00 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/25/2022 | 719 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | Yes | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  | xxxxxx | $165889.13 | 43.000% | No | UTD |
| xxxxxx | 781708 | xxxxxx | N/A | xxxxxx | Yes | No | $2197.19 | $2197.19 | 9.875% | No | No | Foreign National |  |  |  | 1 | xxxxxx | $1281.96 |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/08/2022 | 696 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  | 240 | xxxxxx | $256545.73 |  | No | UTD |
| xxxxxx | 782451 | xxxxxx | N/A | xxxxxx | Yes | No | $1765.85 | $1765.85 | 9.625% | No | No |  |  | xxxxxx | xxxxxx | 1 | xxxxxx | $1597.08 |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2022 | 736 |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 3.7 | N/A | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  | xxxxxx | $13217.97 | 4.000% | No | UTD |
| xxxxxx | 781650 | xxxxxx | N/A | xxxxxx | Yes | No | $3686.35 | $3686.35 | 8.375% | No | No | xxxxxx |  |  |  | 1 | xxxxxx | $881.16 |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/05/2022 | 759 |  |  |  |  |  |  |  |  | No | No | Other |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $0.00 | 1 | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  | xxxxxx | $294186.14 | 28.000% | No | UTD |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC TAX AND TITLE REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Servicer LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| 777262 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 13 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 777265 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 18 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 777271 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 17 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 777277 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 14 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | Subordinate Liens/Judgments were identified totaling $0.00 |
| 777279 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 17 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 777280 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 15 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | The subject property has been transferred to a Third Party. A Quitclaim Deed recorded on xxxxxx granted ownership from xxxxxx, not married to xxxxxx, a xxxxxx Corporation. |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Servicer LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 777277 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | Subordinate Liens/Judgments - Subordinate Liens/Judgments were identified totaling $0.00 |
| 777280 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | Transferred to Third Party - The subject property has been transferred to a Third Party. A Quitclaim Deed recorded on xxxxxx granted ownership from xxxxxx, not married to xxxxxx, a xxxxxx Corporation. |

---

## Exhibit 99.8

**EXHIBIT 99.8**

**clayton services llc ("Clayton") due diligence narrative report**

![](tm234610d1_ex99-8img001.jpg)

**January 27, 2023**

**Due Diligence Narrative Report**![](tm234610d1_ex99-8img002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | 3 |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | 3 |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 4 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | 5 |
| &nbsp;&nbsp;&nbsp;*Data Capture* | 5 |
| **Data Compare Results** | **5** |
| **Clayton Due Diligence Results** | **6** |
| **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** |

---

 ****

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 1 January 27, 2023

 ****

 ****

**Clayton Contact Information**

**Client Service Management:**

---

| | | |
|:---|:---|:---|
| ![](tm234610d1_ex99-8img003.jpg) | **Stephany Hoffman** | Client Service Manager |
|  |  | Phone: (813) 371-0269/E-mail: swright@clayton.com |

---

---

| | | |
|:---|:---|:---|
| ![](tm234610d1_ex99-8img003.jpg) | **Joe Ozment** | Director of Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC (Clayton") conducted an independent third-party pre-securitization due diligence review of residential loans selected for the Verus 2023-INV1. The loans referenced in this narrative report were reviewed from 03/2022 to 12/2022 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review. The population of 498 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 466 | 93.57% |
| &nbsp;&nbsp;Retail | 32 | 6.43% |
| &nbsp;&nbsp;**Total** | **498** | **100.00%** |

---

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

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

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 2 January 27, 2023

![](tm234610d1_ex99-8img002.jpg)

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 498 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 498 |  |

---

Sponsor Acquisition Criteria

The loan was underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review. Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

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

Clayton's loan grading complied with rating agency grading definitions published by S&P Global Ratings ("S&P") <br> and Kroll Bond Rating Agency, LLC ("KBRA")

TPR Component Review Scope

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

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 3 January 27, 2023

![](tm234610d1_ex99-8img002.jpg)

Credit Review

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

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

&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 Sponsor Acquisition Criteria;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was ordered
by the Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing System and Registry ("NMLS") and
occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly.

Property Valuation Review

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (498 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Drive By

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Full Appraisal

Additional valuation product was not required when CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, additional valuation product was obtained to confirm value was supported. In some cases additional desk reviews were ordered on loans with an acceptable CU score based on guidance from the seller.

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 4 January 27, 2023

![](tm234610d1_ex99-8img002.jpg)

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

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

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") 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.

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 5 January 27, 2023

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On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

<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).

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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 6 January 27, 2023

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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.

Data Integrity

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

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

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

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

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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4.3 data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**Data Compare Results**

Clayton provided VMC Asset Pooler, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loan** | **Accuracy** |
| Assumable ID | 21 | 95.78% |
| Borrower 1 First Name | 6 | 98.80% |
| Borrower 1 First Time Home Buyer | 7 | 98.59% |
| Borrower 1 Last Name | 5 | 99.00% |
| Borrower 1 Self-Employment Flag | 11 | 97.79% |
| Borrower 1 Social Security Number | 1 | 99.80% |
| Borrower 2 First Name | 3 | 99.40% |
| Borrower 2 Last Name | 2 | 99.60% |
| Borrower DSCR | 3 | 99.40% |
| Cash Reserves | 218 | 56.22% |
| Credit Report Date | 40 | 91.97% |
| Disbursement Date | 51 | 89.76% |
| Documentation Type | 314 | 36.95% |

---

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 7 January 27, 2023

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---

| | | |
|:---|:---|:---|
| First Rate Change Date | 88 | 82.33% |
| Loan Purpose | 1 | 99.80% |
| Margin (ARM Loan) | 1 | 99.80% |
| Maturity Date | 1 | 99.80% |
| Months Reserves | 325 | 34.74% |
| Note Rate | 1 | 99.80% |
| Number of Units | 2 | 99.60% |
| Original Appraised Date | 55 | 88.96% |
| Original Appraised Value | 4 | 99.20% |
| Original Loan to Value | 2 | 99.60% |
| Original Principal & Interest | 2 | 99.60% |
| Original Term | 1 | 99.80% |
| Origination Date | 6 | 98.80% |
| Payment Change Frequency | 1 | 99.80% |
| Payment Change Frequency (months) | 1 | 99.80% |
| Periodic Rate Cap | 186 | 62.65% |
| Pre-Payment Penalty Term | 5 | 99.00% |
| Product Type | 223 | 55.22% |
| Property Type | 29 | 94.18% |
| Rate Change Frequency (Month) | 1 | 99.80% |
| Representative Score for Grading | 5 | 99.00% |
| Total Cash Out | 177 | 64.46% |

---

**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 grade

**Initial and Final Overall Loan Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 395 | 2 | 26 | 31 | **454** |
| **Final** | **B** | 1 | 32 | 9 | 2 | **44** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **396** | **34** | **35** | **33** | **498** |

---

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 8 January 27, 2023

**Initial and Final Overall Loan Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 395 | 2 | 26 | 31 | **454** |
| **Final** | **B** | 1 | 32 | 9 | 2 | **44** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **396** | **34** | **35** | **33** | **498** |

---

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

**Initial and Final Credit Component Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 423 | 1 | 20 | 27 | **471** |
| **Final** | **B** | 1 | 16 | 9 | 1 | **27** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **424** | **17** | **29** | **28** | **498** |

---

**Initial and Final Credit Component Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 423 | 1 | 20 | 27 | **471** |
| **Final** | **B** | 1 | 16 | 9 | 1 | **27** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **424** | **17** | **29** | **28** | **498** |

---

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 9 January 27, 2023

**Initial and Final Property Valuation Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 467 | 1 | 8 | 6 | **482** |
| **Final** | **B** |  | 15 | 1 |  | **16** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **467** | **16** | **9** | **6** | **498** |

---

**Initial and Final Property Valuation Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 467 | 1 | 8 | 6 | **482** |
| **Final** | **B** |  | 15 | 1 |  | **16** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **467** | **16** | **9** | **6** | **498** |

---

**Initial and Final Regulatory Compliance Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 360 |  |  | 4 | **364** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **360** | **1** | **0** | **4** | **395** |

---

**\*compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review** 

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 10 January 27, 2023

**Initial and Final Regulatory Compliance Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 360 |  |  | 4 | **364** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **360** | **1** | **0** | **4** | **395** |

---

**\*compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review** 

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;2. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;3. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;4. Valuations Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;5. Rating Agency Grades 2.0

&nbsp;&nbsp;&nbsp;&nbsp;6. Business Purpose Supplement

&nbsp;&nbsp;&nbsp;&nbsp;7. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;8. ASF Supplement

&nbsp;&nbsp;&nbsp;&nbsp;9. Attestation Forms

10. Non\QM ATR Upload

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 11 January 27, 2023

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**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non-occupant co-borrower

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

- Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

- 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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- 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

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 12 January 27, 2023

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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;▪ Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

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

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

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

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

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

o Asset review included:

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

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

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

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

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

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

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

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

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

o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

o Title policy review included:

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

- Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issue 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

o HUD1 (Settlement Statement) review included:

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

- Seller contributions did not exceed maximum allowed

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

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 13 January 27, 2023

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

o Hazard/Flood insurance review included:

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

- Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

- Confirmed that the mortgagee clause listed the lender's name and "its successors and assigns"

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

o Mortgage Insurance review included:

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 14 January 27, 2023

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**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&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;&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:

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

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

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

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

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

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

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

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

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

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**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

&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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the 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;· 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an 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;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated
payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

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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;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only
one option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of 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;· 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

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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;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money 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;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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** 

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

---

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

---

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

Clayton tests 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** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |

---

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![](tm234610d1_ex99-8img002.jpg)

---

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

---

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

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

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

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

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

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

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

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

---

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

---

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

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

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 22 January 27, 2023

![](tm234610d1_ex99-8img002.jpg)

---

| | |
|:---|:---|
| &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) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;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) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;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) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

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

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

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

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

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

**<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.

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 23 January 27, 2023

![](tm234610d1_ex99-8img002.jpg)

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.© 2023 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

VERUS 2023-INV1 Due Diligence Narrative Report Page \| 24 January 27, 2023

## Exhibit 99.9

**EXHIBIT 99.9**

**clayton conditions report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2023-INV1** |
| **Start - End Dates:** | **3/2022 - 12/2022** |
| **Deal Loan Count:** | **498** |
| **Conditions Report** | **Conditions Report** |
| ***Loans in Report:*** | *498* |
| ***Loans with Conditions:*** | *103* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **KBRA Initial Securitization Compliance Loan Grade** | **KBRA 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** |
| 768235 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Missing Deed/Mortgage dated xxxxxx | 3.18.2022- Client Response- Provided deed of trust xxxxxxClayton Response- Provided document is not notarized with stamp, seal and date. Please provided notarized DOT xxxxxx- Client response- Provided DOT signed page/Notarized xxxxxx- Clayton response- Received DOT signed and notarized doc, exception has been satisfied | 3.24.2022- Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 50 months ITIA exceeds guideline minimum of 0 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 40 points above guideline minimum<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 in past 24 months |
| 768252 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets of $24,496.83 or 19 months exceed guideline 0 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds guidelines 600.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years rental history. |
| 768269 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score is 697. Minimum score is 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 70%. Max is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history on subject property is 0x30 for 21 months reviewed. |
| 768474 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 39. 82 PITI to the required 6<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no derogatory payment history<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no derogatory payment history |
| 768478 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: $0.00Available Reserves: $697,791.68<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: B1 has only made use of 16.48% of an available $44,100.00 opened credit line<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qual score- 722; Program min- 680 |
| 768491 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 VS 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77% VS 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $2,879.28; Required reserves: 0.00 |
| 768493 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 25 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 25 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 106.98 verified cash reserves in file |
| 768758 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 701<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 24 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage pay history in past 24 months |
| 768760 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 FICO exceeds the 680 required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 183.10 PITI exceeds the required 0<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory payment history |
| 768761 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Cash Reserves $9,468.74 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at residence for 15 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 758 exceeds guidelines |
| 768765 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 772<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 25 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit in past 25 months |
| 768769 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score above 640 requirement; fico 661<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower owns additional investment properties that are not document but are income producing<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has reserves of $44,793.83 or 38.43 months PITIA |
| 768773 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 736 Guidelines allow 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV/CLTV/HLTV 80 % Guidelines allow 85 %<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Reserves of $178,104 as 187.41 months PITIA Guidelines require $0 Reserves |
| 768780 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: $0.00Available Reserves: $119,883.61<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0x30 for 30+ months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qual score- 701; Program min- 660 |
| 768786 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 VS 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves: $121,609.56; Required reserves: $34,442.34<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% vs 80% |
| 768790 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75 % below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 711 exceed guideline requirement of 600 with 111 points<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $11,636.73 or 3.75 months PITI |
| 768793 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit for past 25 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 Mortgage history past 25 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 18 months piti reserves in file |
| 768804 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has eleven years residing in primary residence per Loan Application provided.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 02/11/2022, guarantors (in-direct owners) do not have any major mortgage related occurrences during the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 669, NONI Matrix Minimum: 660 |
| 768916 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: NO DEROGATORY HISTORY<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 fICO EXCEEDS THE 680 REQUIRED<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: NO DEROGATORY PAYMENT HISTORY |
| 768937 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Established since 01/2008 ox30 ; 44% or revolving credit available<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 670 vs 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $56,218.64 ; Required reserves: 0.00 |
| 768944 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico 697<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 37.34 months piti reserves |
| 768946 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 775 exceed guideline requirement of 600 with 175 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 3 years at current address<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum of 85% |
| 768947 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 684 exceed guideline requirement of 600 with 84 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $596,101.73 or 61.39 months PITI |
| 768953 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qual score- 712; Program min- 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: $0.00Available Reserves: $7,157.07<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV- 73.77%; Program max- 85% |
| 769076 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 708 exceeds the 680 credit score requirement by 28 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Per guidelines reserves of $19,996.50 or 6 months is required for PITIA; reserves of $38,364.33 or 11.51 months PITIA remains.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has over 12 months positive payment history. |
| 769162 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 20 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 695 exceeds 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $275,235.13 OR 126.44 months PITI exceeds 6 months per guideline |
| 769167 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 747<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 41.37 months piti reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history in past 25 months |
| 769172 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $81,955.99 exceeds guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score of 722 exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements |
| 769246 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $280,761.86 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 730 exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements |
| 769272 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 767 exceeds guideline 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $402,619.37 or 109.87 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 769283 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $100,944.09 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 704 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 69% is below guidelines requirement |
| 769324 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $61,293.85 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence foe 2 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history |
| 769326 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 702 exceeds guidelines 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $4,316.72 exceed guidelines $0 required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 17 months exceeds guidelines 12 months. |
| 769328 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 679 exceed guideline requirement of 600 with 79 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $47,008.64 or 56.38 months PITI |
| 769333 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 FICO exceeds the 680 required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 769334 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | Missing Certificate of Good Standing per guideline for borrowing entity xxxxxx . Entity formed xxxxxx. NOTE: As of xxxxxx LOE in file from Department of Review stated entity has no filings with the Department of Revenue and can not be issued at this time. | 5.9.2022- Client Response-Provided LLC original registration with SOS xxxxxx-Clayton Response- Provided documentation does not satisfy the exception. However, an independent search of the NCSOS by reviewer retrieved current standing for xxxxxx and emailed to client and uploaded to file. Exception is now satisfied. | 5.9.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 793<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 25 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 2% credit utilization of credit |
| 769338 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16.36 months piti reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 648 qualifying fico. 600 required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 18 months. 12 months required per g/l |
| 769399 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 698 exceeds 680 per guideline<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 12 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 769483 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico 765<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 25 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 80.67 months piti reserves |
| 769486 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower fico 783<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR > 1<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 25 months reserves |
| 769495 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 yrs vs 2 yrs<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 vs 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% vs 85% |
| 769543 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 11.63 months piti reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history in past 25 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 682 exceeds 680 |
| 769665 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 685 exceed guideline requirement of 600 with 85 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 2 years at current address |
| 769670 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.64% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 786 exceed guideline requirement of 600 with 186 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current address |
| 769673 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 30.41 PITI exceeds the 6 required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 FICO exceeds the 680 required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 769682 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 721 exceed guideline requirement of 600 with 121 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% below maximum of 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $269,491.38 or 122.55 months PITI |
| 769722 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at her current residence for 22 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 80% is below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $6,713.27 exceed guidelines |
| 769727 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 771<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit past 25 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 25 months |
| 769729 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 783<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 25 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14.26 months piti reserves |
| 769767 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: BORROWER HAS BEEN AT RESIDENCE FOR 5 YEARS<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 43.62 PITI EXCEEDS THE 0 REQUIRED<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 FICO EXCEEDS THE 680 REQUIRED |
| 769768 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 FICO exceeds the 680 required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 769814 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: borrower has been at residence for 6 yrs<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 FICO exceeds the 680 required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory payment history |
| 769818 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | B | B A | B | B | Compliance | County High Cost | Waived B | CMPCHC5381 | xxxxxx High-Cost Loan by exceeding APR threshold | No | Subject loan APR exceeds xxxxxx high cost threshold. Test rate is 8.625%, benchmark rate is 2.49% resulting in an APR/benchmark difference of 6.135%. The maximum APR/Benchmark difference is 6%. | (No Data) | 06.06.2022 - Clayton final grade B. | (No Data) | Not Applicable | (No Data) |
| 769819 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $130,613.44 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 3 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirement |
| 769974 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 700 FICO exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 769977 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 vs 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% vs 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 yrs vs 2 yrs |
| 770035 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report dated 04/06/2022.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 739, theLender: 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.0834. theLender: 1.0001 |
| 770036 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | # of Trade line not active in past 24 months. NOTE: Loan Exception approval in file. | (No Data) | 06.20.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 739 is greater than 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets #24,485.87 or 6.28 months PITI<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit |
| 770037 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Lender exception for de-listing "during" loan process, this is not a cash out file, only rate/term refinance. | 8.10.2022- SR. Clayton U/W memo- property was listed for sale during the refinance process and subsequently taken off the market. LOE in file details reason for placement on market. DSCR is >1, fico 739, prepayment penalty of 5years, LTV low at 70%, ownership and investment property history provide additional comp factors for loan. Exception remains and deemed non-material due to comp factors listed above. | 8.10.2022-Exception remains-non-material- no further action required 8.16.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 739, theLender: 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.2042, Minimum: 1.0001<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 54.92%, theLender Maximum: 70% |
| 770040 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 695 exceeds 680 guideline minimum<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Post closing assets $42,253.19 or 27.82 months PITI exceeds the Required Reserves $1,518.62 x 6 = $9,111.72 |
| 770044 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 782, FICO Minimum: 680<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 03/21/22, borrower/guarantor do not have any major mortgage related occurrences during the past two years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 80%, LTV Max (NONI Matrix above 1.00 DSCR): 85% |
| 770047 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current address for 6 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $49,573.21 or 16.93 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 696 exceeds 680 |
| 770052 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 723 exceed guideline requirement of 600 with 123 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.63% below maximum of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current address |
| 770053 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no late pays in past 4 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late pays on mortgages with over 15 years reporting.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $39,941.90 cash reserves after closing. |
| 770060 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 781 exceed guideline requirement of 600 with 181 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 3 years at current address |
| 770061 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 24 years/<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 768 exceeds guideline 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 99 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $257,046.82 or 142.06 months PITI |
| 770067 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $6,734.20 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 789 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 3 years |
| 770073 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $162,072.91 exceeds guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 747 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years |
| 770074 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.9 months PITI exceeds the 0 required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory payment history |
| 770076 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: 16.29 PITI exceeds the 0 required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 Fico exceeds the 680 required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 770078 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 FICO exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 770143 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 758<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history in past 24 months |
| 770148 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 11 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 716 exceeds 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $78,476.93 or 86.25 months PITI. |
| 770149 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current primary residence for 2 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 703 is greater than 680 per gudeline<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 18 months |
| 770193 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $225,798.61 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 3 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 74% is below guideline requirements |
| 770239 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 755 exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $267,616.14 exceeds guidelines |
| 770261 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 739 exceeds guideline minimum 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past due in 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60 90 past 37 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current primary residence for 2 years |
| 770262 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.31% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 733 exceed guideline requirement of 600 with 133 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $154,959.42 or 52.04 months PITI |
| 770264 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $378,019.68 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 16 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 701 exceed guidelines |
| 770265 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 700 exceed guideline requirement of 600 with 100 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum of 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $64,664.50 or 117.82 months PITI |
| 770269 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing HUD-1 (Final and Estimated) | 5.26.2022-Client Response- Provided HUD1 signed and dated xxxxxx-Clayton Response- Provided documentation satisfies exception | 5.26.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No Derogatory credit<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 FICO exceeds guideline 680 Required. |
| 770271 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 750 exceed guideline requirement of 600 with 150 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 18 years at current address |
| 770366 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current primary residence for 6 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 52 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 691 exceeds guideline 680 |
| 770367 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is using 6% of credit utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 735 |
| 770425 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD. Subject is a purchase transaction and Estimated HUD in file. | 6.8.2022- Client Response- Provided final settlement statement6.14.2022-Clayton Response- Provided settlement statement is not stamped/signed as true and correct original and/or signed. Please provide signature and/or stamped final settlement statement xxxxxx-Client Provided stamped final hud-xxxxxx-Clayton Response- Provided documentation satisfies exception | 6.14.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 99 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 752 exceeds guideline 680 |
| 770428 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 757 exceed guideline requirement of 600 with 157 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 2 years at current address |
| 770435 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Credit score 741 is greater than 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $405,647.68 or 144.89 months PITI is greater than 6 months requirement. |
| 770526 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 748<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 14% consumer credit utilization in file |
| 770529 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 698 exceed guideline requirement of 600 with 98 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 years at current address |
| 770560 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 767 exceed guideline requirement of 600 with 167 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 5 years at current address |
| 770565 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 42.48 months piti reserves in file<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower credit utilization is 25%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 past 24 months mortgage history |
| 770613 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 662 fico exceeds the 660 required |
| 770615 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; $100,496.31-$78,683.70(cash to close) = $21,812.61. Required reserves; $1780\*6=$10,680.00 (post-close assets exceeds theLender requirement).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 685, theLender: 680.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/03/2022, borrower does not have any major mortgage related occurrences during the past two years. |
| 770633 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $36,929.29 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 796 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 3 years |
| 770700 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $245,855.52 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 72% is below guidelines requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 695 exceed guidelines |
| 770702 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2862 | Copy of Note in file is incomplete | No | Note in file is incomplete. Missing page 3. | 5.27.2022-Client Response- Provided complete NOTE5.27.2022-Clayton Response- Provided documentation satisfies exception | 5.27.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $65,167.31 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 15 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 758 exceed guidelines |
| 770723 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing Desk Review to support the Original As Is Appraised value of xxxxxx. NOTE: UCDP in file with CU greater than 2.5. | 6.29.2022-Client Response- Provided desk review dated xxxxxx 6.29.2022-Clayton Response- Provided documentation satisfies exception | 6.29.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 fico exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 770726 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 733 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guidelines requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $3,987.58 exceed guidelines |
| 770727 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 fico exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 770769 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 661 exceed guideline requirement of 600 with 61 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $57,227.82 or 27.10 months PITI |
| 770776 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 713 exceeds 680 minimum<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $448,106.51 or 220.71 months of PITI |
| 770838 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 fico exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 770839 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $104,960 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 755 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 16 years |
| 770963 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current address<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75 % below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 725 exceed guideline requirement of 600 with 125 points. |
| 771071 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 732<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower using 29% credit utilization |
| 771091 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP155 | Application Missing | No | Missing loan application in file | 8.12.2022- Client Response- Provided application. 8.12.2022- Clayton Response- Provided documentation satisfies exception. | 8.12.2022-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 721<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 24 months |
| 771193 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $83,557.27 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 791 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guidelines requirements |
| 771197 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.84% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 809 exceed guideline requirement of 600 with 209 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 11 years at current address |
| 771198 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $394,950.50 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 788 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 54% is below guideline requirements |
| 771201 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 711 exceed guideline requirement of 600 with 111 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $229,139.40 or 84.75 months PITI |
| 771202 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 689 exceed guideline requirement of 600 with 89 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum of 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Asset: Borrower's post close Assets are $6,754.32 or 6.00 months PITI |
| 771210 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75 % below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 678 exceed guideline requirement of 600 with 78 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 4 years at current address |
| 771214 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 2 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 691 exceeds guideline 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $67,058.24 or 71.95 months of PITI is greater than 6 months required. |
| 771218 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC195 | Missing Note | No | Missing executed Note | 5.26.2022-Client Response- Provided executed promissory note5.26.2022-Clayton Response- Provided documentation satisfies exception | 5.26.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $170,302.04 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years |
| 771218 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing executed HUD. HUD in file only reflects Title and Recording fees. | 5.26.2022-Client Response- Provided executed HUD-15.26.2022-Clayton Response- Provided documentation satisfies exception | 5.26.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $170,302.04 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years |
| 771363 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 55% is less than guideline 75%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit score 741 is greater than 680 |
| 771369 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 FICO exceeds the 680 required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 771385 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 fico exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 771401 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 705 exceed guideline requirement of 600 with 105 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $44,818.41 or 30.53 months PITI |
| 771407 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $44,348.38 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 3 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 714 exceed guidelines |
| 771422 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash $25,408.00 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 719 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements |
| 771438 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $21,002.95 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 48% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 714 exceed guidelines |
| 771447 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 754 exceed guideline requirement of 600 with 54 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75.61% below maximum of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 21 years at current address |
| 771466 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $77,445.61 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 755 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years |
| 771469 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | 1x30 within past 12 months xxxxxx for Mortgage with xxxxxx ending 7034. NOTE: Exception approval in file dated xxxxxx | (No Data) | 06.20.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $32,429.38 or 16.03 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico 695<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Current residence for 4 years |
| 771529 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower utilizing 19% of credit<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 771 |
| 771538 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 21 years at current address<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 734 exceed guideline requirement of 600 with 134 points. |
| 771580 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.44% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 755 exceed guideline requirement of 600 with 155 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 2 years at current address |
| 771773 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 723 exceed guideline requirement of 600 with 123 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 14 years at current address |
| 771778 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 Fico exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 771792 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower is a First Time Homebuyer with credit score of 652. Per xxxxxx Guideline, First Time Homebuyer needs a minimum score of 680. | 7.11.2022-Client Response- Lender exception provided at time of tape upload7.11.2022-Upon further review by xxxxxx. xxxxxx xxxxxx- compensating factors are present but in reviewing documentation provided, not sufficient for an fico waiver and first time investor loan with a DSCR <1 of .7152. Borrower fico is 652 with guideline requirement of 680; Lender has 8 months of reserves which would be a comp factor however, xxxxxx verified 4 months of reserves if ITIA, comp factor for mortgage history as there are no late payments on primary residence in the last 2 years; other credit factors are present causing the decrease in fico score due to late or charge off accounts in the most recent 2 years. Exception remains. 7.18.2022- Clayton Memo- Comp factors removed; updated to xxxxxx xxxxxx review decision and credit report; ITIA matches first payment letter; verbiage corrected from PITIA to ITIA, DSCR update to 0.7152% versus 0.7162%; Exception remains, non-material due to comp factor above. | 8.1.2022-Exception remains, non-material08.09.2022- Clayton final grade B. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history is showing a history of 0x30 on credit report. |
| 771808 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 Fico exceeds the 680 required |
| 771844 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co Guarantor has lived at primary residence for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 699 is greater than 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 in past 24 months |
| 771981 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: borrower has been at primary residence for 5 years |
| 772025 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current address for 19 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 689 exceeds 680 per guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $196,448.52 or 54.87 months PITI |
| 772047 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 700 exceeds 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $17,137.40 or 11.42 months PITI |
| 772139 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 15 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $16,236.44 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 743 exceed guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 772141 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 699 exceeds 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60 90 past 33 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $17,222.04 or 7.56 months PITI |
| 772167 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER4643 | Borrower does not meet guideline requirements | No | First time investor with DSCR < 1.0. NOTE: Lender exception approval in file. | 7.1.2022-Clayton Memo- Lender exception approval provided; re-review of grade requested7.1.2022- Upon further review by xxxxxx xxxxxxx xxxxxxx Clayton deems this non material due to the DSCR is not that low at .8016, borrower has $2,508,170.00 in reserves, 757 score, LTV is only 75%; and client allows this on a case by case basis . 7.1.2022- Upon further review by xxxxxx xxxxxx xxxxxxx, Clayton deems this non material due to the DSCR is not that low at .8016, borrower has $2,508,170.00 in reserves, 757 score, LTV is only 75%; and client allows this on a case by case basis | 7.1.2022-7.1.2022- Upon further review by SR Clayton UW, Clayton deems this non material due to the DSCR is not that low at .8016, borrower has $2,508,170.00 in reserves, 757 score, LTV is only 75%; and client allows this on a case by case basis | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $2,508,170.00 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 757 exceed guidelines |
| 772169 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 months mortgage history in past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 804<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 116.73 months piti reserves |
| 772184 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 694<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 past 24 months mortgage history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% |
| 772186 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 709 exceed guideline requirement of 600 with 109 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $92,417.46 or 82.73 months PITI |
| 772188 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 698<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 772189 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $935,783.88 or 305.79 months PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 33 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 698 exceeds 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 772222 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $65,363.73 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 673 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years |
| 772387 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $468,548.30 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 684 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 2 years |
| 772390 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | HUD is incomplete. Missing name for impounds and what the amount is for $113.40 per month. | 7.21.2022-Client Response-Provided HUD-1 reflecting $113.40 for flood insurance7.21.2022-Clayton review- Provided documentation satisfies exception | 7.21.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 76.64% is below 85% maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 729 exceeds 680 |
| 772392 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers qualifying credit of 781 exceed guideline requirement of 600 with 181 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 2 years at current address |
| 772416 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing copy of Valid Visa / EAD per xxxxxxGuideline. EAD in file expired xxxxxx. Expired xxxxxx was valid from xxxxxx. I77-C application for renewal in file dated xxxxxx | 8.15.2022- Client Response- Provided EAD application pending as of 3/228.15.2022- Clayton Response- Provided documentation satisfies exception | 8.15.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: borrower has been in current residence for 20 yes<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 772531 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $84,309.70 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 16 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 693 exceed guidelines |
| 772534 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current address for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 682 exceeds 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $193,227.66 or 118.75 months PITI<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 71.93% is below guideline 80% fir cash out. |
| 772536 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 697<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 189.65 months piti reserves in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months |
| 772554 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 70.00% below program maximum 75.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $111,127.93. No cash required to close. Reserves required 6 months\*$3,679.77=$22,078.62. Excess reserves $89,049.31.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 3 mos. 0x30, 6 mos. 0x30 and 5 mos. 0x30.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no derogatory mortgage related occurrences reported on credit. |
| 772564 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 FICO exceeds the 680 required |
| 772565 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Hud in file is cut off at bottom. Unable to determine exact cash back to borrower at closing. | 8.22.2022- Client provided full legible HUD.8.22.2022- Reviewed by xxxxxx xxxxxx xxxxxx, reviewed the Final settlement agreement and updated data points in system. The HUD was legible and not cut off. This exception to be satisfied. | 8.22.2022- Exception has been satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 786 exceeds guideline 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $236,895.83 or 134.27 months PITI |
| 772572 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 48 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 699 is greater than 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $598,344.01 or 105.95 months PITI. Required reserves is 6 months. |
| 772758 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 5 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $622,994.49 or $92.03 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 772762 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 75% LTV exceeds 70% for DSCR <1.00 per 5.6.2022 guideline. DSCR calculation = DSCR: Gross Rents (1007) $2,150 /$2,279.21 PITI = 0.9476% DSCR. Loan approval reflects DSCR of 1.0969 using Lease of $2,500.00. No supporting documentation in file for receipts in the amount of $2,500.00 via Bank statements and/or cancelled checks. | 7.11.2022-Client Response- Provided lease agreement and proof of payments for the previous 2 months7.11.2022-Clayton Response- Upon further review by xxxxxx xxxxxx xxxxxx, exception to LTV is now satisfied. Lender provided executed lease agreement with required e-delivery dates/signatures along with proof of deposit that applicant has received rents for 2 months prior to closing, $2500. In the recalculation of DSCR, the new DSCR is $2500/2279.21 =1.0968% which is >1% DSCR. The loan is now eligible for 5% higher LTV per guidelines. All documentation required has been reviewed and is now acceptable. | 7.11.22-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 fico exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 772765 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV 35%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median 668<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No mortgage lasts in the last 12 months |
| 772766 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 686<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 34.10 months piti reserves in file |
| 772786 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2862 | Copy of Note in file is incomplete | No | Missing complete copy of note. Only pages 1 thru 5 located in file. Signature page missing. | 7.14.22 - Client Response - Provided fully executed note7.14.22-Clayton Response- Provided documentation satisfies exception | 7.14.22-Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 65.12% below program maximum 80.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score 712 above program requirement 680.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 10 mos. 0x30, 5 mos. 0x30, 9 mos. 0x30, 10 mos. 0x30, 8 mos. 0x30, 7 mos. 0x30, 10 mos. 0x30, 9 mos. 0x30, 9 mos. 0x30 and 27 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $176,294.57 in total assets verified with all assets liquid. Funds required to close, $56,343.64 (No EMD). Reserves $119,950.93. No reserves required. Reserves surplus $119,950.93. |
| 772786 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Subject transaction is part of a 1031 exchange. Missing the following documents required by guide: Copy of sales contract for the sold property, xxxxxx and Complete copy of the 1031 exchange agreement. Documentation to support that subject exchanged property was identified within 45 days from the sale date of xxxxxx. | 7.14.22-Client Response- Provided exchange agreement dated xxxxxx and property detail description dated xxxxxx 7.14.22-Clayton Response- Provided documentation satisfies exception. | 7.14.22-Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 65.12% below program maximum 80.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score 712 above program requirement 680.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 10 mos. 0x30, 5 mos. 0x30, 9 mos. 0x30, 10 mos. 0x30, 8 mos. 0x30, 7 mos. 0x30, 10 mos. 0x30, 9 mos. 0x30, 9 mos. 0x30 and 27 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $176,294.57 in total assets verified with all assets liquid. Funds required to close, $56,343.64 (No EMD). Reserves $119,950.93. No reserves required. Reserves surplus $119,950.93. |
| 772786 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated CDA to support original appraised value id xxxxxx. CU score is not reported on xxxxxx UCDP. | 7.14.2022- Client Response-Provided CDA dated xxxxxx 7.14.2022- Clayton Response- Provided documentation satisfies exception. CDA dated xxxxxx value xxxxxx within tolerance. | 7.14.22-Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 65.12% below program maximum 80.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score 712 above program requirement 680.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 10 mos. 0x30, 5 mos. 0x30, 9 mos. 0x30, 10 mos. 0x30, 8 mos. 0x30, 7 mos. 0x30, 10 mos. 0x30, 9 mos. 0x30, 9 mos. 0x30 and 27 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $176,294.57 in total assets verified with all assets liquid. Funds required to close, $56,343.64 (No EMD). Reserves $119,950.93. No reserves required. Reserves surplus $119,950.93. |
| 772800 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Waived A B | CRDTER881 | Minimum square footage does not meet guidelines | No | Subject property is xxxxxx square footage which is less than xxxxxx minimum per guidelines. | 7.1.2022-Lender Exception provided at time of review; condo is non-warrantable due to investor concentration at 68% per appraisal only, minimum required sq ft xxxxxx, property xxxxxx. 7.1.2022-xxxxxx xxxxxx xxxxxx additional Review; Sq footage requirement is off by xxxxxx sq ft. Borrower fico is 814, co-borrower 718, displaying positive credit history, cash reserves of 6 months, 0 required on purchase, LTV 70%. Due to the listed compensating factors, the exception is non-material. No further action required. | 7.1.2022-Exception is non-material. No further action required. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 718 exceeds guideline 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $26,231.40 or 6.58 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 772815 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $565,137.66 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 6 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 695 exceed guidelines |
| 772845 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: borrower has been at current residence for 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 fico exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history |
| 772902 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 722<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 24 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 68.72% |
| 772906 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 qualifying fico score<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 20% credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 18.76 months piti reserves |
| 772908 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing Bank Statements. Per xxxxxx guideline section xxxxxx Gift funds are not allowed. Gift letter in file with receipt of wire by Title Company for $80,000 | 7.12.2022- Client Response- Wrong guideline in tape/pool. Previous guideline was 11.20, provided Clayton guideline of 6.1.22 7.12.2022-Clayton Response- xxxxxx reviewed 6.1.22 guidelines, per page 41, gift funds are allowed provided the gift letter, loe and wire are verified, file has all required information starting on page 42 of indexed pdf. Exception is now satisfied. | 7.12.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current address for 3 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 710 exceeds guideline 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit |
| 772911 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 699 qualifying fico<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1% of credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 23.12 months piti reservers |
| 772925 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $108,983.06 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 690 exceed guidelines |
| 772926 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 794 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years |
| 772986 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 27 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 776 exceeds guideline 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0X30, 60, 90 past 64 months |
| 772987 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 675 fico exceeds 660 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 772993 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Lease or xxxxxx if short term rental. Subject is a c/o refinance, appraisal reflects subject as vacant however pictures reflect xxxxxx present. | 7.12.2022-Client Response- Provided lease agreement for property starting xxxxxx 7.12.2022-Clayton Response- Provided documentation satisfies exception. The appraisal is noted in report to have furnishings in the rental units and this is considered in the comparable properties evaluation, rent schedule to be used for dscr. | 7.12.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 798 exceeds 680 minimum<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 99 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 772994 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 659 Fico exceeds the 640 required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history |
| 773030 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage lates in past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 748<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 27.45 months piti reserves |
| 773054 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Missing assets required to close in the amount of $48,611.16 | July 27th 2022, 6:04:49 pm7.27.22 Uploaded UW Responses, 1008 with notes regarding assets on 2nd pg, and HUD from borrowers other loan showing proof of cash out funds being used for assets7.28.22- Clayton Response- Provided HUD1, 1008 and 2 emails of correspondence. The HUD1 is not executed/signed. Please provided executed final hud for funds to close. The highlighted loan number of xxxxxx is not with Clayton for due diligence. 8.2.2022-Client Response0 Provided updated/signed HUD xxxxxx-Clayton memo- Provided SS with cash to borrower of $58,448.35 satisfies exception | 8.2.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history in past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 686 qualifying fico<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years |
| 773054 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2304 | Unverified Assets | No | Missing assets required to close in the amount of $48,611.16 | 8.2.2022-Client Response0 Provided updated/signed HUD xxxxxx-Clayton memo- Provided SS with cash to borrower of $58,448.35 satisfies exception | 8.2.22- Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history in past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 686 qualifying fico<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years |
| 773060 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $332,564.04 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 718 exceed guidelines |
| 773065 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $171,322.45 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 13 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 627 exceed gudielines |
| 773341 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/27/2022, the borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 80%, Lender Minimum (CBR 680): 85%<br>CFCFS2860: Good credit history<br> - Clayton Comments: FICO: 682, FICO Minimum: 680. |
| 773358 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $26,266.94 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 752 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 4 years |
| 773389 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 705 exceeds 680<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 19 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Low credit line usage of 14.46% |
| 773447 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Guidelines require two Open and active tradelines, with at least one seasoned for 24 months. Lender provided credit report with two open and active installment tradelines, with one seasoned 5 months and the other was new. There are also four Utility self-reported accounts listed with one seasoned 37 months and 12 months of Primary housing history per credit supplement. Guidelines state "Alternate tradelines are acceptable by exception".Provide satisfactory exception for use of alternative tradelines as borrower does not have one open and active tradeline that is seasoned at least 24 months. | 7.26.2022- xxxxxx u/w memo- Borrower required to show proof of rent for the most recent 2 months; only 1 month verified. Borrower has a 12 month lease agreement, proof of 1 months rent, 55% LTV, 689 Fico and 48 months PITIA after closing. The compensating factors deem this exception non-material, no further action required | 7.18.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 689 exceeds guideline requirement of at least 680 per Near NONI guidelines with DSCR less than 1.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.27% is below maximum allowed of 70% per Near NONI guidelines for cash out refinance with DSCR less than 1.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash verified $0. Cash back at closing $148,409.35. Required reserves $3,056.99 x 6 = $18,341.94. Excess reserves of $130,067.41.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has an excellent payment history of 12 months on primary residence verified on credit supplement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with only 2 small open installment accounts. |
| 773447 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC150 | Income docs do not meet guidelines | No | Lender documented rental income with 12 month agreement and 1 month's rents received. Guideline requires 2 months verified rents with lease agreement. | 7.26.2022-xxxxxx u/w memo- Borrower required to show proof of rent for the most recent 2 months; only 1 month verified. Borrower has a 12 month lease agreement, proof of 1 months rent, 55% LTV, 689 Fico and 48 months PITIA after closing. The compensating factors deem this exception non-material, no further action required | 7.26.2022-Exception non-material; no further action required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 689 exceeds guideline requirement of at least 680 per Near NONI guidelines with DSCR less than 1.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.27% is below maximum allowed of 70% per Near NONI guidelines for cash out refinance with DSCR less than 1.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash verified $0. Cash back at closing $148,409.35. Required reserves $3,056.99 x 6 = $18,341.94. Excess reserves of $130,067.41.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has an excellent payment history of 12 months on primary residence verified on credit supplement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with only 2 small open installment accounts. |
| 773617 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 791<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 108.27 months piti reserves in file |
| 773619 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 21% credit utilization file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 728 and minimum required is 680.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late pays on mortgages for past 2 years. |
| 773814 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 787 is greater than 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $171,110.91 or 111.03 months PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60 90 past 12 moonths |
| 773819 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Borrower exceeds max LTV of 70% | 8.12.2022 - xxxxxxre-review of loan memo- Reduction of LTV by 5% has been applied for the unleased property. Applicant has the following compensating factors: credit fico exceeds guidelines, minimum 860, applicant fico 750; verified cash reserves exceed guidelines, $645,290 or 70 months subject property PITIA, positive mortgage payment history with 0 x 30 in the previous 24 month period. Exception is deemed non-material due to the compensating factors listed above. Exception remains, non-material | 8.12.2022- Exception Remains-non-material; no further action required 8.16.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $645,690.29 in total assets verified, all liquid. No funds required to close. Reserves $645,690.29. Reserves required, PITI $9,186.65\*6 mos.=$55,119.90. Excess reserves $590,570.39.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 759 above program requirement 680.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 28 mos. 0x30. |
| 773819 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amount exceeds guideline maximum of 65% c/o of appraised valueMax loan amount xxxxxx Loan amount funded xxxxxx | 8.12.2022 - xxxxxx U/W re-review of loan memo- Loan amount exceeds guidelines by 5%. Applicant has the following compensating factors: credit fico exceeds guidelines, minimum 860, applicant fico 750; verified cash reserves exceed guidelines, $645,290 or 70 months subject property PITIA, positive mortgage payment history with 0 x 30 in the previous 24 month period. Exception is deemed non-material due to the compensating factors listed above. Exception remains, non-material | 8.12.2022- Exception is deemed non-material due to the compensating factors listed above. Exception remains, non-material 8.16.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $645,690.29 in total assets verified, all liquid. No funds required to close. Reserves $645,690.29. Reserves required, PITI $9,186.65\*6 mos.=$55,119.90. Excess reserves $590,570.39.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 759 above program requirement 680.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 28 mos. 0x30. |
| 773892 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% below maximum of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current address<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's post close Assets are $39,426.61 or 24.54 months PITI |
| 773923 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 fico exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 773934 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 773998 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $84,586.95 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 696 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is below guideline requirements |
| 774006 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Credit report reflects 1x30 for Mortgage ending xxxxxx for 5/2022 payment. ACH Authorization statement in file reflecting Automatic debit processed for 5/2022 payment Mortgage statement in file dated 6/17 reflects overdue amount of $2,695.21. Payment notification 6/23 reflects payment received of $2,695.21 | (No Data) | 7/27/22 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit utilization 1% in file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 qualifying fico score<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months |
| 774018 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 qualifying fico<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 20% credit utilization in file |
| 774099 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 648 fico exceeds the 640 required<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 774102 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 fico exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 774103 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 yrs<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 774108 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current address for 28 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 693 exceeds 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 774112 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 49.55 months piti reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 723 |
| 774243 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $142,759 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 745 exceed guidelines |
| 774547 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $343,701.98 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 748 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements |
| 774552 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 6 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 792 |
| 774590 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: borrower has been at current residence for 5 yrs<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 774599 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 744.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit history with no derogatory account.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets: $215,032.14Cash to close: $117,700.14 |
| 774676 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage. | 8.8.2022- Client Response- Provided DOT 8.8.2022- Clayton Response- Provided DOT satisfies exception | 8.8.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 782 exceeds guideline 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months verified via 12 months mortgage statements. |
| 774676 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC195 | Missing Note | No | Missing Note. | 8.8.2022- Client Response- Provided Note8.8.2022- Clayton Response- Provided Note satisfies exception | 8.9.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 782 exceeds guideline 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months verified via 12 months mortgage statements. |
| 774676 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing executed Final HUD. HUD in file is preliminary and is missing Lender fees. | 8.8.2022-Client Response- Provided final Hud-18.8.2022-Clayton Response- Provided documentation satisfies exception | 8.8.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 782 exceeds guideline 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months verified via 12 months mortgage statements. |
| 774676 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Missing Mortgage. | 8.8.2022-Client Response- Provided DOT8.8.2022-Clayton Response- Provided documentation satisfies exception | 8.8.2022-Excepion Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 782 exceeds guideline 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months verified via 12 months mortgage statements. |
| 774676 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing Market Rent / Form 1007. | 8.11.2022- Client Response- Provided 1007 from appraisal 8.11.2022- Clayton Response- Provided documentation satisfies exception | 8.11.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 782 exceeds guideline 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months verified via 12 months mortgage statements. |
| 774679 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Committee Approval. 5 loans with xxxxxx per Corporate Resolution. | 8.23.2022-Client Response- Provided lender committee approval 8.23.2022-Clayton Response- Provided documentation satisfies exception | 8.23.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 3 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $96,234.67 or 95.69% PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 774681 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 qualifying fico<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 15% credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 62.26 months piti reserves |
| 774682 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing supporting documentation borrower or Guarantor is tied to xxxxxx. Assets in file for xxxxxx and Lease agreement are in the name of xxxxxx. Borrowing entity is xxxxxx | 8.23.2022- Client Response- Provided board resolution from LLC verifying owners of xxxxxx are the same as the entity xxxxxx. 8.24.2022-Clayton Response- Provided documentation satisfies exception | 8.24.2022-Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 3 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60 90 past 24 months on consumer debt<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 693 exceeds 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $100,090.15 or 98.34 months PITI |
| 774682 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Committee Approval for 4 or more properties financed with xxxxxx | 8.22.2022- Client Response- Provided committee approval for 6 investment property (4 is max per guideline)8.23.2022- Clayton Response- Provided documentation satisfies exception | 8.23.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 3 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60 90 past 24 months on consumer debt<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 693 exceeds 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $100,090.15 or 98.34 months PITI |
| 774685 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 642 exceeds the 640 required |
| 774688 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $36,843.36 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 710 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% meets guideline requirements |
| 774689 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Committee Approval as more than 4 loans with xxxxxx | 8.23.2022-Client Response-Provided committee approval for xxxxxx loans with theLender8.232022-Clayton Response- Provided documentation satisfies exception | 8.23.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 3 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $113,230.70 or 106.94 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past due on consumer debt |
| 774718 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $1,043,355.90 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 768 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 27% is below guideline requirements |
| 774722 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 qualifying fico<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history in past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 46.17 months piti reserves |
| 774839 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $95,550.82 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 684 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years |
| 774842 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 691<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 in past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 57.24 months piti reserves |
| 774843 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 3 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55% LTV is below NONI guideline 70% for qualifying score of 659.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 09x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $68,284.25 or 38.80 months PITI |
| 774861 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 733; guideline minimum in 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 78.43%; guideline maximum is 85%. |
| 774866 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 39 months in reserves.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's middle fico score is 770. |
| 774869 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 fico exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 774872 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Late charges were found in the mortgage statement for both xxxxxx and xxxxxx accounts. | 8.11.2022- Client Response- Provided supplement showing 0x30 on mortgage history 8.11.2022- Clayton Response- Provided documentation satisfies exception | 8.11.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 15 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 682 exceeds 680 guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $37,588.12 or 19.81 months PITI |
| 774889 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 714 exceeds guideline 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0.30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $108,802.81 or 27.26 months PITI |
| 774956 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $1,193,730.85 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 778 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 62% is below guideline requirements |
| 774964 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 774965 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage. | 8.8.2022-Client Response- Provided executed DOT-1 signed8.8.2022-Clayton Response- Provided documentation satisfies exception | 8.8.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 60% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 663 exceed guidelines<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage occurrences |
| 774965 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Compliance | Documentation | Satisfied D A | CMPDOC195 | Missing Note | No | Missing Note. | 8.8.2022-Client Response- Provided HUD-1 signed8.8.2022-Clayton Response- Provided documentation satisfies exception | 8.8.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 60% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 663 exceed guidelines<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage occurrences |
| 774965 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Credit | Application | Waived B | CRDAPP5430 | xxxxxx Application Form is Outdated | No | Missing executed borrower application | (No Data) | 8.16.2022 - Clayton final grade B. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 60% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 663 exceed guidelines<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage occurrences |
| 774965 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Missing Final HUD. HUD in file is incomplete, missing Lender fees, settlement date and disbursement date. | 8.8.2022-Client Response- Provided executed HUD-1 signed 8.8.2022-Clayton Response- Provided documentation satisfies exception | 8.8.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 60% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 663 exceed guidelines<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage occurrences |
| 774965 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Credit | Terms/Guidelines | Waived C B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower does not meet guideline. First time Investor with credit score less than 680. | 8.8.2022- Client Response- Provided exception for FTI requirement8.8.2022- xxxxxx U/W reviewed file. Borrower has prior investment history and LOE regarding subject property. Comp factors are low LTV, 60%, DSCR 1.0028 >1, .25 LLPA to rate for fico <680. Exception is deemed non-material due to the compensating factors above. Exception remains, non-material. No further action required | 8.8.2022-Exception remains-non-material, no further action required 8.16.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 60% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 663 exceed guidelines<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage occurrences |
| 774981 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $161,032.97 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 768 exceed guidelines |
| 775107 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH183 | Credit report incomplete | No | Missing credit report for Guarantor xxxxxx. | 8.8.2022-Client Response- Provided join credit report dated 6.7.228.8.2022-Clayton Response- Provided documentation satisfies exception | 8.8.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor #2 has lived at current residence for 3 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 764 exceeds guideline 680 |
| 775111 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived A B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Exception in file for Primary Residence reflects 1x30 within past 12 months. Mortgage History reflect late payment for 5/1/2022 payment. Please provide LOE for reversal of payments in May 2022 on payment history. Payment history printout does not list name of creditor, provide history report with creditor name/print out. | (No Data) | 8.16.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Cash-Out proceeds of $70,524.98 exceeds 6 mos. requirement via NONI 7.19.22 Matrix; $70,524.98 / $828.23 = 85.15 in PITIA reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 697, theLender Minimum (NONI 07.19.22): 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.0263, theLender Minimum: 1.0001 |
| 775112 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 782 exceeds guideline 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $104,233.72 - Closing funds $62,457.71 = $41,776.01 or 28.11 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 mnnths<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months on current and prior mortgages |
| 775113 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 765 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $11,017.52 exceed guidelines |
| 775118 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $303,319.01 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 690 exceed guidelines |
| 775120 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 fico exceeds the 680 required |
| 775121 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $477,844.25 in total assets documented. All assets liquid. No cash required to close. Reserves required 6 mos.\*$13,627.83=$81,766.98. Excess reserves $396,077.27.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 759 above program requirement 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of consumer credit. Credit line usage at 26.75%. |
| 775125 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 qualifying fico<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0\*30 mortgage history in past 24 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 24 months |
| 775126 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report 07/01/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 791, theLender: 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.5979, DSCR: 1.0001 |
| 775182 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $160,407.23 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 711 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years |
| 775183 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds 700<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 775187 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The guarantor has seven years in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 713, theLender Minimum: 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.1474, theLender Minimum: 1.0001 |
| 775188 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $21,340.32 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 764 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 80% is below guideline requirements |
| 775202 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Mortgage 1x60 with xxxxxx exceeds guideline | 8.1.2022-xxxxxx U/W additional review- lender exception for 1x30 in file with LLPA of .25 hit to rate applied. Comp factors support non-material exception due to rate hit of .25, fico 693, only 1 x 30 in the recent 24 months. Exception remains | 8.1.2022-Exception Remains, deemed non-material 08.02.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 18 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $134,631.74 or 23.06 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months on consumer debt |
| 775216 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV maximum per most recent guidelines is 70% for DSCR at 0.7895. 1008 notes and pool field indicate Noni 8-29-22 guidelines used which are currently unavailable. | 9.14.2022- Client Response- Provided guidelines reflecting 75% LTV | 9.14.2022-Clayton Response-Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 767 is above the minimum required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves: 6 months X $3,007.98= $18,047.88. Excess reserves $62,034.51.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit history with no late payments. |
| 775228 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantors have lived at current residence for 25 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 701 exceeds 680<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $4,950,676.50 or 159.38 months PITI |
| 775244 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 701 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements |
| 775317 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $14,525.27 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 731 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 65% is below guideline requirements |
| 775358 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 713 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 24 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower cash reserves $72,677.63 exceed guidelines |
| 775360 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.0134, theLender: 1.0001<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Cash-Out; $105,515.12 / $2,763.02 (ITI) = 38.18 in (ITI) reserves (exceeds 6 month requirement).<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/26/22, borrower does not have any major mortgage related occurrences during the past two years. |
| 775504 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 674, theLender: 660<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/25/22, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.0073, theLender: 1.0001 |
| 775604 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Multiple credit events: xxxxxx, discharge xxxxxx Foreclosures xxxxxx Foreclosure xxxxxx Dispute on foreclosure not reporting in xxxxxx from xxxxxx foreclosure event | 8.15.2022- xxxxxx U/W memo- Loan file does not meet guideline requirement. No multiple housing events in the last seven years. Borrower is 7 months from meeting the 7 year requirement of multiple housing events. LLPA .250% to the rate imposed. Borrower fico 706, no recent housing events in the last 3 years. Exception remains, deemed non-material due to the comp factor listed above and LLPA to rate. Exception remains, no further action required. | 8.15.2022- Exception remains- no further action required 8.16.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 706; guideline minimum is 700%. |
| 775606 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 742 guideline minimum is 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided in the current residence for 3 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: The Borrower has had 0x30 on he current mortgage for more than 12 months. |
| 775694 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 27 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer credit history. |
| 775695 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived rent free at current residence for 16 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 701 is greater than 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $113,854.14 or 13.51 months PITI |
| 775793 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: borrower has been at current residence for 29 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No derogatory events (1x30 or greater) in the most recent 24 months. |
| 775872 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV is 65%; guideline maximum is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 716; guideline minimum is 680.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: The Borrower has had 0x30 on the Rental Payment History since 6/1/2006. |
| 775875 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 17 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 741 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $171,639.06 or 34.88 months PITI |
| 775878 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 75% LTV exceeds guideline 70% per Guideline xxxxxx for established Condominiums in the xxxxxx. Loan amount xxxxxx Purchase price xxxxxx = 75% LTV | 9.2.2022- Client responded- guideline used is wrong. Guideline correction to 7.19.2022 | 9.2.2022-Clayton Response- Guideline correction to 7.19.2022 satisfies exception. The guideline allows up to 75%. 9.2.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 701 exceeds 680 per guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $486,186.10 or 136.21 months PITI<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 776121 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Per guideline matrix xxxxxx Cash out Refinance required 6 months reserves. Required reserves PITI $2,051.42 X 6 = $12,308.52; Verified cash reserves $8,419.32 = short reserves $3,889.20 | 9.27.2022- Client Provided 3 settlement statement to the LLC from 9/20/22 | 9.27.20222- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 20 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 within 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 660 is greater than 620 minimum per matrix |
| 776121 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Committee Approval. Per 1008, 4 properties being refinance/closing at same time. P/O in file reflects payoff is for xxxxxx, xxxxxx, xxxxxx and subject address xxxxxx. | 9.26.2022- Client Response- Committee approval for financed properties within thelender greater than 4. | 9.26.2022-Clayton Response- Provided committee approval satisfies exception | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 20 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 within 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 660 is greater than 620 minimum per matrix |
| 776125 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $32,514.49; required reserves $2664.31 x 6 = $15,985.86.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 45 months pay history on the mortgage with no late pays. |
| 776126 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $20,118.14 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 20 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 660 exceed guidelines |
| 776129 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing loan approval | 9.27.2022-Client provided lender approval | 9.27.2022- Client provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash to borrower at closing $22,475.90. Required reserves: 6 months X $1,892.44 = $11,354.64. Excess reserves $11,121.26.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 7 open tradelines with the longest seasoned 128 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DSCR of 1.3210 is above the required 1.0. |
| 776130 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 737, theLender: 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.9679, exceeds standard 1.0001 requirement aside from NONI 65.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has six years in current residence. |
| 776245 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 755, theLender Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/29/22, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.0822. theLender Minimum: 1.0001 |
| 776250 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $17,140.06 or 10.54 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: ox30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 679 is greater than minimum 620 |
| 776251 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $274,453.70 or 130.99 months PITI |
| 776252 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 66.36% is less than guideline 80%<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $19,386.58 or 8.66 months PITI |
| 776292 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 719 qualifying fico<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history in past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 51.88 months piti reserves |
| 776350 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 749, theLender Minimum: 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 39.23%, theLender: 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.2212, theLender (minimum): 1.0001 |
| 776415 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Exception for Primary Housing verification, rent free for 4 years. Low LTV 62.50%, DSCR 1.1002% | 9.8.2022- Lender Exception for LRF on mortgage history; .25 LLPA to rate. | 9.8.2022-Clayton Sr U/W memo: Applicant is living rent free and outside of program guideline. Exception was granted with a .250 hit to the rate (LLPA). Clayton deems exception as non-material due to the compensating factors herein listed: LTV below max, 62.50%, borrower down payment exceeds minimum required, 37.50% down, 699 fico, DSCR >1, Reserves of 14 months PITIA. Exception is non-material, remains, no additional actions needed. 9.13.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $35.775.02 or 17.11 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 699 greater than 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60,90 past 24 monhts |
| 776417 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH818 | Credit report date greater than transaction date | No | Credit report provided is dated 8-31-22. Provide original credit report used to underwrite file prior to closing. | 9.7.2022-Client Response- Provided credit report retrieved on 8.2.22 | 9.7.2022-Clayton Response-Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash to borrower at closing $163,138.86. Required reserves :6 months X $1,927.08 = $11,562.48. Excess reserves $151,576.38.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 in above the minimum required 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.84% is below the maximum allowable at 70%. |
| 776417 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines require verification of most recent 12 months mortgage payments.Lender provided credit report with subject property mortgage xxxxxx with last reported date of 6-2022.Provide satisfactory verification of mortgage payment within 30 days of note date. | (No Data) | 09.27.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash to borrower at closing $163,138.86. Required reserves :6 months X $1,927.08 = $11,562.48. Excess reserves $151,576.38.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 in above the minimum required 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.84% is below the maximum allowable at 70%. |
| 776417 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Guidelines require the following for non-warrantable condos: HOA budget, copy of current balance sheet. Provide HOA budget and current balance sheet for project. | 9.22.2022- Client responded-Uploaded HOA Balance sheet & Budget | 9.22.2022- Sr Clayton UW reviewed documents provided by client, HOA balance sheet and the budget were provided. Nothing further is needed at this time, This exception has been satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash to borrower at closing $163,138.86. Required reserves :6 months X $1,927.08 = $11,562.48. Excess reserves $151,576.38.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 in above the minimum required 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.84% is below the maximum allowable at 70%. |
| 776523 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $421,291.16 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 814 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 32% is below guideline requirements |
| 776524 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $490,750.24 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 11 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 685 exceed guidelines |
| 776527 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $42,024.89 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 700 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 70% meet guideline requirements |
| 776572 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Lease Agreements for xxxxxx. Subject is a cash out refinance. 1008 reflects all leases in file. | 8.22.2022- Client commented- Please see uploaded lease agreement for all xxxxxx units.8.22.2022- Clayton comment-xxxxxx UW reviewed all leases client provided for xxxxxx and found to be sufficient. Nothing further needed for this exception. | 8.22.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 20 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $73,541.02 or 48.29 months PITI |
| 776573 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | Missing post-disaster inspection | 11.1.22- Provided post disaster inspection | 11.1.22- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 754 exceeds Near Noni 700 per Matrix<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $1,785,717.46 or 212.87 months PITI. Require reserves 6 months for Near Noni per 7.19.2022 Matrix<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 776574 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $323,498.96 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 16 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 701 exceed guidelines |
| 776579 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 730 exceed guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $548,443.60 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 4 years |
| 776629 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP155 | Application Missing | No | Missing application | 8.29.2022- Client Response- Provided application | 8.29.2022- Clayton Response- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 5% credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 770 |
| 776630 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 719 is greater than 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 24 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $82,650.52 or 20.05 months PITI is greater than 6 months required for Near Noni per guideline. |
| 776631 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 qualifying fico<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 22 years |
| 776632 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 43.18% LTV is below 85% maximum for purchase of Investment property with DSCR > 1.0<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 754 exceeds guideline 700<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $387,533.35 or 101.09 months PITIA |
| 776816 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 744 qualifying credit score per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 qualifying credit score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 mortgage history per CBR. |
| 776820 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing Market Rent Analysis (Form 1007) with rental comparison and pictures. | 8.29.2022-Client Response- Provided rent schedule, comparable property photos, map and sketch of subject property. | 8.29.2022- Clayton Response- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 756 is greater than guideline 700<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $35,588.22 or 21.73 months PITI |
| 776861 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Exception on record due to borrower no having housing payment history, borrower lives rent free with family-member. | (No Data) | 8.22.2022- After SR Clayton UW reviewed, exception was placed due to guideline requirement not met for housing payment history, borrower has been living rent free with family members for an extended period of time. Clayton has deemed this as a non-fatal material exception, exception will remain and has been downgraded to a B as it is non-material. 8.23.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 759, theLender Minimum: 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 06/16/22, borrower does not have a history of derogatory accounts.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Verified cash-out proceeds are $323,503 / $3,685.41 = 87.77 in ITI reserves (exceeds 6 months requirement). |
| 776932 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $75,387.68 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 734 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements |
| 776935 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 14 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 717 exceeds guideline 700<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $360,985.82 or 73.06 months PITI |
| 776938 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $279,985.32 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 733 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 70% is below guideline requirements |
| 776939 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Missing Lender Exception Approval. Credit report reflects Mortgage late 1x30 for xxxxxx. Late payment was for xxxxxx. | (No Data) | 08.30.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current address for 5 years .<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 809 exceeds 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months on consumer debts<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $79,141.86 or 28.46 months PITI |
| 776945 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 766<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history in past 24 months |
| 776947 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $138,553.59 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 22% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 763 exceed guidelines |
| 776948 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 67% is below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $314,698.99 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 791 exceed guidelines |
| 776952 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Missing exception. Credit report reflects Mortgage 1x30x12 with xxxxxx, xxxxxx. Late 1x30 on 1/22. Per guideline 1x30x12 may be allowed by exception only. | (No Data) | 08.30.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 36.768% is below guideline 80% for No Cash out Refinance.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 707 is above guideline 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 2 years |
| 776954 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $222,577.29 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 765 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years |
| 776956 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/22/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 794, theLender: 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.730, theLender Minimum: 1.0001 |
| 777015 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline requirement of 75% for this program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 710 |
| 777017 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 787.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 3 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV: 75%Max LTV Allowable per Guideline: 80%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit report, Borrower has a good credit history. |
| 777018 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide legible copy of the Operating Agreement of xxxxxx. as required by the loan program. | 8.16.2022 Client responded - Please see the attached Operating Agreement. Please clear the exception. | 8.16.2022 Client sent a copy of the Operating Agreement for xxxxxx. Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Asset: $545,448.43Cash to close: $311,156.04<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 1 year |
| 777018 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Bank Reference Letter as the borrower is a Foreign National and a Letter of Reference is a requirement of the loan program. | 8.16.2022 Client responded - Please see the attached reference letter. Please clear the exception. | 8.16.2022 Client sent Bank reference letter from xxxxxx that borrower has been a customer for 7 years. Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Asset: $545,448.43Cash to close: $311,156.04<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 1 year |
| 777019 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 18 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 23 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 794 |
| 777022 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2542 | Missing work authorization/VISA required for non-permanent resident aliens or foreign nationals | No | Provide the borrowers passport and Visa as required on the loan approval. | 8.9.2022 Client responded - Please see the attached borrowers passport and Visa. Please clear the exception. 8.9.2022 Client sent borrower's Passport, SSN card for work only and Employment Authorization as well as LOE. Borrower is non permanent resident alien. Exception satisfied | 8.9.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 3 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 15 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current |
| 777032 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Rural property with xxxxxx exceed guideline max of xxxxxx acres per Guideline dated xxxxxx and matrix dated xxxxxx. | 9.19.2022- Client Provided lender exception form for excessive acres9.22.2022- Client responded-loan approved and appraisal uploaded in early July - file put on hold until august when borrower had funds to close when matrix changed. loan approved on xxxxxx matrix. | 9.19.2022-Sr Clayton U/W memo- Pending review of matrix for 8.1.20229.22.2022- Sr Clayton UW reviewed, received Matrix for 6.29.2022 in which loan was approved on. Per matrix, allowable acres is 20, this exception can be satisfied based off this information, nothing further is needed at this time. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 20 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $16,327.29 or 9.38 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 727 exceeds guideline 700 |
| 777034 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 qualifying fico<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: borrower is 0\*30 consumer credit history past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 11.47 months piti reserves |
| 777035 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 Qualifying fico<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1% Credit utilization in file<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: borrower is 0\*30 consumer credit history in file |
| 777038 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 776, theLender Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/21/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.0337, theLender (minimum): 1.0001 |
| 777040 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Verified Cash-Out proceeds of $493,564.79 exceeds 6 month cash-out (PITI: $14,300.55\*6=$85,803.30) requirement.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 07/27/2022, borrower has 0x30 derogatory account history.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.0489, DSCR: 1.0001 |
| 777041 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per xxxxxx xxxxx. Rate and Term LTV 75%; The xxxxxx Matrix does not differentiate LLPA between R/T and C/O transactions | 9.22.2022- Client responded- Uploaded NONQM approved LTV Exception | 9.22.2022- SR Clayton UW reviewed and determined based on strong comp factors (Exceeding guideline reserve requirements, Credit score of 790, positive credit history.) this is a non-Fatal material exception and will be downgraded to a B but exception will remain.09.27.2022 - Clayton final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $66,114.91 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 790 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at residence 5 years |
| 777183 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves 6 months X $4,828.41 = $28,970.46. Excess reserves $60,148.88.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 790 is above the minimum required 640 based on 70% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable at 75% based on Credit score of 790. |
| 777186 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing Post Disaster Inspection Declaration date xxxxxx; effective date xxxxxx; xxxxxx; Declaration xxxxxx | (No Data) | 10.11.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 4 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 43.48% is below guideline minimum 70%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $253,732.74 or 73.13 months PITI |
| 777187 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 744, theLender: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/29/22, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR; $4,000 / $3454.35 = 1.1580, theLender minimum: 1.0001 |
| 777188 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $274,429.36 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 704 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 8 years |
| 777196 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 31 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 741 is greater than 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 777201 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing Post closing disaster inspection; Declaration date xxxxxx; effective xxxxxx; xxxxxx; Declaration xxxxxx | (No Data) | 10.11.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current address for 4 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% below 7.19.2022 guideline matrix 70%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 665 exceeds guideline 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $116,464.45 or 32.14 months PITI |
| 777233 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | Missing the following entity documents for borrowing entity xxxxxx; Operating Agreement, Articles of Organization/Formation, SS-4 form listing tax ID Number, Certificate of xxxxxx approval by theLender per xxxxxx guideline. | 9.7.2022-Client Response- Provided IRS EIN letter, LLC documentation with SOS, AOO and agreement | 9.7.2022- Clayton Response- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower lived at prior residence 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 751 is greater than 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $93,267.13 OR 19.74 months PITI |
| 777397 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $44,072.98 or 15.02 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 644 exceeds guideline 620 minimum<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 777400 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 74% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 663 exceed guideline requirements |
| 777402 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 20 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 777403 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 775 exceed guideline<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 3 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 33% is below guideline requirements |
| 777405 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Condo Master Policy in file does not reflect the subject address. Covered premises reflected is xxxxxx. Unable to tie this property to subject via Condo Questionnaire. | 9.22.2022- Client responded- Uploaded master policy with correct address | Condo Master Policy in file does not reflect the subject address. Covered premises reflected is xxxxxx. Unable to tie this property to subject via Condo Questionnaire. 9.22.2022- Sr. Clayton UW reviewed, the updated Master policy received and accepted. Nothing further needed at this time, exception has been satisfied (by updated data points) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 6 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 677 is greater than 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $98,573.97 or 35.71 months PITIA |
| 777407 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $25,053.35. Required reserves: $0. Excess reserves $25,053.35.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 705 exceeds minimum required 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history of 33 months exceeds minimum required 12 months. |
| 777410 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/21/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 707, theLender Minimum: 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.4205, DSCR: 1.0001 |
| 777497 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $219,441.96 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 17 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 665 exceed guidelines |
| 777498 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $190,111.62 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 16 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 65% is below guideline requirements |
| 777500 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current address for 17 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 712 exceeds guideline 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $115,63.81 or 14.62 months PITIA |
| 777505 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 qualifying fico<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 85.99 months piti reserves in file |
| 777506 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 749 exceeds 700 per guideline<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $434,890.00 or 216.83 months PITI |
| 777507 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Transfer letter from xxxxxx transferring Appraisal to xxxxxx theLender. per guideline. Appraisal in file was completed for xxxxxx | 9.30.2022-Client Response- Provided updated appraisal, xxxxxx same date but with theLender as the requestor | 9.30.2022- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 15 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $342,961.10 or 39.09 months PITI |
| 777508 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $146,169.19 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 654 exceed guidelines |
| 777509 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines require a primary housing payment history.Lender provided evidence that the borrower is living rent free with parent and an approved exception for lack of housing. | 9.22.2022-Lender exception in file for housing payment history, page 397 | 9.22.2022-Clayton Sr. UW memo- application has a history of ownership and investment of properties. Current primary housing expenses are unable to be verified as he resides with his mother. Fico score of 756, DSCR >1, 1.2420 and history of investment management of properties support exception to be non-material. No additional action required. 09.27.2022 - Clayton final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $152,380.84. Non-QHEM Required reserves: 9 months X $5,635.90= $50,723.10. Excess reserves $101,657.74.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR is 1.2420 which is above the minimum required 1.0000.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 756 is above the minimum required 700. |
| 777511 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Assets | Waived C B | CRDAST115 | Cash reserves do not meet guidelines | No | Cash-out Refi requires 6 months reserves. Borrower has 5.29 months reserves after closing. | 9.8.2022-Client Response- Provided lender exception for .71 months short reserves | 9.8.2022- Clayton SR U/W memo- applicant is short by .71 months of reserve requirement. This is deemed non-material due to fico score exceeding minimum 710, low LTV 70% and established real estate investor history. Exception remains, no additional action required. 9.13.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 4 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 70% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 710 exceed guidelines |
| 777569 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $190,744.06 or 43.99 months PITI<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 3 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 777573 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 701 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 65% is below guideline requirements<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years |
| 777574 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 783<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 24 months |
| 777577 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Require post disaster inspection, Declaration # xxxxxx, xxxxxx, xxxxxx. | (No Data) | 10.11.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $292,157.39; required reserves 3910.86 x 6 = $23,465.16.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 735 and minimum required is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late pays on any mortgage with over 6 years pay history reporting. |
| 777578 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $107,671.89 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 686 exceed guidelines |
| 777634 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $126,218.10; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no late pays on accounts for 4 years. |
| 777636 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 718 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $56.46 exceed guidelines |
| 777685 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No | Missing letter of explanation addressing large deposit of xxxxxx on xxxxxx (xxxxxx). | 9.22.2022- Client response-Uploaded Underwriters LOX with supporting docs to address both grade 3 conditions.. | 9.22.2022 Sr Clayton UW reviewed the document provided by client, Letter from the Bank showing deposits/balances. This is suffice to satisfy this exception. The deposit in question was over 90 days seasoned. Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 718, theLender: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 08/17/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.0540, DSCR: 1.0001 |
| 777685 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing monthly period xxxxxx (xxxxxx) that provides the monthly transactions (debits/credits). | 9.22.2022- Client responded-Uploaded Underwriters LOX with supporting docs to address both grade 3 conditions.. | 9.22.2022- Sr Clayton UW reviewed, received the LOX from the Bank as well as the statement showing debits/balances on the account. Nothing further is needed at this time. Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 718, theLender: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 08/17/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR: 1.0540, DSCR: 1.0001 |
| 777689 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 750 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $877,270.18 or 131.42 months PITI |
| 777690 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 22 months PITIA<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%, max 90% |
| 777744 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 16% credit utilization in file<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 credit utilization past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 795 |
| 777749 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $19,553.53 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 687 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 1 year |
| 777756 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 770 exceeds guideline<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0X3E0, 60, 90 past 12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 60, 90 past 24 months |
| 777757 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 687 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.42 months of reserves. |
| 777758 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 745<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: borrower is 0\*30 consumer credit history in past 24 months |
| 777879 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $125,459.31 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 15 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 754 exceed guidelines |
| 777882 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Missing Prior Mortgage dated xxxxxx in favor of xxxxxx of the xxxxxx a xxxxxx d/b/a xxxxxx Profit sharing plan. Final HUD reflects payoff to xxxxxx in the amount of $245,490.00 | 10.3.2022: Client response- Uploaded Previous Mortgage dated 7.18.22 | 10.3.2022- Sr. Clayton UW comments: Client provided the Mortgage documents, this has been reviewed and in line with what the final HUD reflects. Nothing further is needed at this time. Exception has been satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 735 exceeds 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $97,708.29 or 29.05 months PITI |
| 777882 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Property Valuations | Appraisal | Waived C B | PRVAAPPR169 | Appraisal includes one or more issue(s) | No | Subject square footage xxxxxx is less than minimum per guideline of xxxxxx for Condo. | Exception approval in file for square footage less than xxxxxx. .25 added to rate. | 9.29.2022-Clayton Sr U/W Memo- Square footage requirement per guidelines are set with a minimum of xxxxxx sq ft. Subject property is short by xxxxxx sq ft, xxxxxx. This deemed non-material in nature due to the close proximity of meeting the minimum requirement, 120+ months reserves of PITI and lender imposed rate hit of .250 as a LLPA. Exception remains, no further actions needed. 10.05.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 735 exceeds 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $97,708.29 or 29.05 months PITI |
| 777884 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 713 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $16,923.43 or 5.81 months PITI |
| 777887 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 748 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0-x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $29,713.04 or 12.38 months PITI |
| 777888 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower cash reserves $105,515.56 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 743 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% meets guideline requirements |
| 777890 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 4 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 665 exceed guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $185,499.71 exceed guidelines |
| 778038 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $47,764.79 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 80% meets guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 683 exceed guidelines |
| 778041 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Post Fema disaster xxxxxx date xxxxxx Declaration #xxxxxx; Closing date is xxxxxx | (No Data) | 10.11.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $20,007.68 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 658 exceed guidelines |
| 778042 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 41 months of 0x30 consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 54.41 months of reserves in file per VOD. |
| 778043 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 717 exceeds guideline 700<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $148,593.51 or 36.65 months PITI |
| 778044 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 742 exceeds minimum required 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 6 open tradelines with the longest seasoned 293 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $75,414.96. Cash required to close $1,993.57. Cash reserves = $73,421.39. Required reserves: 0 required for Rate term. Excess reserves $73,421.39. |
| 778045 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 08/22/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has ten years residing in primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Verified assets of $34,050.52 (Cash-Out), this exceeds cash-out requirement of $8,174.94 ($1362.49\*6). |
| 778084 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $140,376.13 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 693 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements |
| 778085 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below the maximum allowable of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $78,474.16.Required reserves: 0 months required per NONI guidelines. Excess reserves $78,474.16.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 756 exceeds minimum required 700. |
| 778181 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $235,509.66 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 62% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 746 exceed guidelines |
| 778182 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $218,686.29 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 72% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 701 exceed guidelines |
| 778183 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since FEMA disaster xxxxxx xxxxxx Public xxxxxx; Note date xxxxxx. | (No Data) | 10/18/2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 65 months of 0x30 consumer credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 98 months of reserves in file. |
| 778184 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Borrower has no housing history and does not meet guideline requirement to allow no housing history. No housing history is acceptable if borrower lives in a xxxxxx that is owned or leased by the spouse and a 12 mo. rating is provided or the borrower has sold a primary residence within the past six months and currently living rent free. Letter regarding rent free status indicates borrower lives rent free with grandmother. | (No Data) | 09.27.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $327,090.97 in total assets documented. All assets liquid. No cash required to close. Reserves required 6 mos.\*$4,083.91=$24,503.46. Excess reserves $302,587.51.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 778 above program requirement 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 65.00% below program maximum 70.00%. |
| 778185 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 804 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $91,691.98 or 19.40 months PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 778187 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $168,381.95 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 737 exceed guidelines |
| 778305 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $165,237.93 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 16 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 759 exceed guidelines |
| 778339 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 23 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 648 exceeds 620 minimum per matrix<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $56,916.33 or 24.65 months PITI |
| 778352 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in current residence for 12 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 698<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22.42 months piti reserves |
| 778354 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 801 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $65,060.10 or 17.43 months PITI |
| 778368 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $561,514.26 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 3 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 681 exceeds guidelines |
| 778369 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $80,779.55 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 787 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 3 years |
| 778370 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 721 exceeds 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $151,477.71 or 38.72 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 778373 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 752 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $74,676.42 or 11.64 months PITI |
| 778423 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 80 months of reserves in file. |
| 778431 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 708 exceeds minimum required 680 for first time investor.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowable of 85%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 6 open tradelines with the longest seasoned 56 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 778434 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 746 is greater than 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $1,003,609.08 or 73.20 months PITI |
| 778437 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing executed account access for xxxxxx for 100% access from xxxxxx to xxxxxx. | 10.5.2022- Client Response- Provided trust document | 10.5.2022-Clayton Response- Trustee document allows for use of all funds and satisfies exception | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 746 exceeds matrix 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $800,792.06 or 103.89 months PITI |
| 778439 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Post Fema disaster xxxxxx date xxxxxx Declaration #xxxxxx; Closing date is xxxxxx | (No Data) | 10.05.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $58,023.16 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 762 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements |
| 778477 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the xxxxxx declaration date, xxxxxx effective date, FEMA disaster xxxxxx Declaration #xxxxxx | (No Data) | 10.11.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 727 exceeds minimum required 680 for first time investor.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 51.28% is below the maximum allowable of 85%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 13 open tradelines with the longest seasoned 170 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 778479 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 747<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years |
| 778499 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $325761.09 or 88.54 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 778501 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 2 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 748 exceeds guideline 700<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close $32,578.78 or 7.164 months PITI |
| 778533 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower cash reserves $43,808.11 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 11 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 62% is below guideline requirements |
| 778548 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | FEMA disaster xxxxxx Declaration #xxxxxx, xxxxxx declaration date, xxxxxx effective date. Post disaster report dated xxxxxx with no damage listed. | 10.24.22- Provided 1004D | 10.24.2022- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 751 exceeds minimum required 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $182,640.54. Cash required at closing $61,827.17 ($10,000 EMD verified). Required reserves: 0 months required. Excess reserves $120,813.37.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowable of 85%. |
| 778552 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower's have lived at current residence for 25 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 751 exceeds guideline 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $118,761.38 or 55.38 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 778571 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $111,156.81 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 726 exceed guidelines |
| 778609 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $2,946.66. 0 months required. Excess reserves $2,946.66.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 735 exceeds minimum required 680 for first time investor.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.52% is below the maximum allowable of 80% based on purchase with DSCR less than 1.15. |
| 778661 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Post FEMA natural disaster property inspection for xxxxxx effective xxxxxx and declaration date xxxxxx re-inspection report not provided. dec # xxxxxx. Closing date of xxxxxx | 10.25.2022- Client provided post disaster inspection dated xxxxxx 10.25.2022- Clayton response- Provided documentation satisfies exception | 10.25.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 771 |
| 778672 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing executed final Hud, Hud has not been executed by all parties. | 10.6.2022- Provided signed hud dated xxxxxx | 10.6.2022- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 764 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 51% is below guideline requirements |
| 778680 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing Post Disaster Inspection for Declaration dated xxxxxx; Effective xxxxxx; xxxxxx; Declaration #xxxxxx | (No Data) | 10.18.2022-Providd CDA; Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 753 is greater than guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit 3%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 72.60% is less than 85% max per guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $29,180.96 or 6.79 months PITI |
| 778681 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 762 exceeds guideline 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close $69,813.47 or 32.19 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 778684 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 799 exceeds guideline 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $285,210.91 or 88.79 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 778706 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 13 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 659 exceeds guideline 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets: $27,564.82 or 19.82 months PITI |
| 778708 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 754 exceeds guideline 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $269,235.34 or 69.39 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 34.29% is below 75% maximum for cash out. |
| 778891 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 713 is greater than guideline 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $18,018.13 or 9.92 months PITI. Required reserves per guideline is 6 months |
| 778899 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $645,355.96 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 724 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 80% is below guidelines requirements |
| 778904 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 749 is greater than guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past due in 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $323,560.06 or 95.61 months PITI |
| 778930 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Exception approval for sales concessions of 3% or $15,000 xxxxxx guideline 2% or $10,000. Comp factors: Experienced Investor, FICO 750, Cash reserves | (No Data) | 11/8/2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current address for 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 750 exceeds guideline minimum 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $1,644,866.55 or 303.11 months PITI |
| 778932 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer credit history per CBR. |
| 778933 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived C B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Documentation located in file indicates subject transaction is borrowers 5th DSCR loan. Guideline maximum is 4. Lender approved exception in file to allow subject DSCR transaction. | 10.17.22-Exception approval in file for number of mortgage properties . .25 added to rate10.17.22-xxxxxx Sr Review- Committee approval in file for more than 4 financed properties with theLender Lender also implemented a .25 llp adjustment to rate. Exception is non-material with the committee approval letter meeting guidelines. No futher action required. | 10.17.2022- Exception non-material, no further action required. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $1,890,181.62 in total assets documented. All asset liquid. Funds required to close $163,928.21. Cash reserves $1,726,253.41. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 764 above program requirement 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has credit history dating back to 3/1990 with no derogatory credit reported. |
| 778933 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | (No Data) | 10.17.22- Client Provided updated inspection report; exception satisfied | 10.17.22- Client Provided updated inspection report; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $1,890,181.62 in total assets documented. All asset liquid. Funds required to close $163,928.21. Cash reserves $1,726,253.41. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 764 above program requirement 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has credit history dating back to 3/1990 with no derogatory credit reported. |
| 778933 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | FEMA xxxxxx reported with declaration date xxxxxx and effective date xxxxxx for xxxxxx. No subsequent inspection located in file. | 10.17.22- Client Provided updated inspection report; exception satisfied | 10.17.22- Client Provided updated inspection report; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $1,890,181.62 in total assets documented. All asset liquid. Funds required to close $163,928.21. Cash reserves $1,726,253.41. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 764 above program requirement 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has credit history dating back to 3/1990 with no derogatory credit reported. |
| 778947 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | On xxxxxx a natural disaster was declared due to xxxxxx in the region. The appraisal is dated xxxxxx and the loan closed on xxxxxx. A post disaster inspection has to be completed to ensure the integrity of the property was not affected by the xxxxxx. | 11/01/22: Lender provided copy of PDI showing no damage | 11/01/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $112,044.99 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 3 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 685 exceed guidelines |
| 778960 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower's have lived at current residence for 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 698 is greater than 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 within past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets: $16,456.93 or 7.51 months PITI |
| 779021 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 7 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 763 is greater than guideline 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $110,276.78 or 33.72 months PITIA |
| 779023 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 80% is below guidelines requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 725 exceed guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $229,934.22 exceed guidelines |
| 779039 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 758 exceeds guideline 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $448,036.03 or 75.93 months PITI |
| 779114 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 758 is greater than 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $15,617.93 or 9.18 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 779115 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 4 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 49.38% is less than guideline 85<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit score 773 is greater than guideline 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets: $911,406.66 or 262.16 months PITI |
| 779141 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $27,670.48, no required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 774 and minimum is 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no late pays on any account with over 17 years reporting. |
| 779144 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 60 months PITI reserves exceeds guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 692 exceeds guidelines. |
| 779155 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 52.63% is less than guideline 65% for c/o refinance with credit score of 648.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 648 exceeds guideline 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $132,059.28 or 69.48 months PITI |
| 779182 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | HUD in file is incomplete. Bottom of pages are cut off, unable to verify total cash back to borrower. | 10.24.22- Provided missing HUD pages 42-44 | 10.24.22- Provided documentation satisfies excpetion | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 714 exceeds guideline 700<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $41,525.98 or 17.04 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past due 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past due 12 months |
| 779191 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Assets | Waived C B | CRDAST115 | Cash reserves do not meet guidelines | No | Post close assets are $31,619.28 or 5.76 months piti reservesReserves required are $5,490.13\*6 = $32,940.78 | 11.3.2022- Lender provided exception report11.3.2022- xxxxxx U/W memo- Additional review, borrower is short $1,325 or .43 months of reserves. Compensating factors that support this exception as non-material are as follows: Fico 752, LTV 75%. Exception is non-material, no further action required | 11.3.2022-Exception non-material, no further action required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 752<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit past 24 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV in file |
| 779193 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $41,092.75 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 680 exceed guidelines |
| 779240 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 719 exceeds minimum required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $359,167.42. Required reserves: 0 months required. Excess reserves $359,167.42.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 10 open tradelines with the longest seasoned 265 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 779449 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $76,548.47 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 727 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years |
| 779451 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 3 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds guideline 680.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $527,115.51 or 92.91 months PITI |
| 779452 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $830,345.24 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 719 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 12 years |
| 779453 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current address for 3 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 736 is greater than matrix 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets: $813,962.91 or 149.53 months PITI |
| 779454 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $3,371.12.Required reserves: 0 months required. Excess reserves $3,371.12.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 737 exceeds minimum required 680 for first time investor.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 9 open tradelines with the longest seasoned 211 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 779455 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Loan Exception. Borrower lives rent free, no documented primary housing expense. Compensating factors Post close reserves. xxxxx xxxxxx xxxxxx. | (No Data) | Agree. Letter in file states borrower is living rent free with mother. 11/8/2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 25 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 660 is greater than minimum 620 per matrix.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $130,782.17 or 51.00 months PITI |
| 779460 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing Post Disaster Inspection - Declaration date xxxxxx; Effective date xxxxxx; xxxxxx; Declaration #xxxxxx | (No Data) | 11/8/2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 21 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $958,141.12 or 42.92 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 804 exceeds guideline 700 |
| 779461 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $29,313.95 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 16 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 73% is below guideline requirements |
| 779479 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $67,779.59 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 674 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 6 years |
| 779493 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $85,339.56.Required reserves: 0 months required. Excess reserves $85,339.56.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 697 exceeds minimum required 680 for first time investor.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.46% is below the maximum allowable of 80%. |
| 779520 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | HUD is missing from the file. | 11.11.2022- Provided signed hud-1 | 11.11.2022- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 774<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history in past 24 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% credit use in file |
| 779523 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | HOI has insufficient coverage | 10.25.2022- Provided HOI replacement cost worksheet | 10.25.2022- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $96,983.13 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 743 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 70% is below guideline requirements |
| 779547 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 81.95 months of cash reserves per HUD-1 |
| 779580 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Missing supporting documentation lien on title: Notice of lien reflected on title for work or improvements in filed by the xxxxxx, under xxxxxx in the amount of $251.39 has been paid in full. | 11.1.22- Provided settlement statement showing lien paid | 11.1.22- Provided documentation satisfies exception | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 61.43% is less than 65% maximum for group home per guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 685 is greater than minimum 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $17,395.63 or 8.316 months PITI |
| 779671 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL195 | Missing Note | No | Missing Note | 11.8.2022 Client responded - Please see uploaded note. | 11.8.2022 Client sent the fully executed Note. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $3,107.82. Required reserves: 0 months required. Excess reserves $3,107.82.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 767 exceeds minimum required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below the maximum allowable of 80% based on short term rental. |
| 779673 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 monnths<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $58,494.38 or 12.32 months PITI |
| 779688 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 702 exceeds guideline 680<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $18,632.61 / $2,448.99 = 7.61 months PITI |
| 779748 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $37,526.89. Cash back at closing $31,810.99. Cash reserves = $69,337.88. Required reserves: 6 months X $4,982.70 = $29,896.20. Excess reserves $39,441.68.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 690 exceeds minimum required 660. |
| 779781 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current address for 24 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit 684 score exceeds 680<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $114,224.49 or 24.39 months PITI |
| 779784 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $312,886.82. With DSCR <1, 6 months reserves required, $6145.59 x 6 = $36,873.54.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 742 and required minimum is 620 |
| 779788 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 727 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $4301.598.60 or 40.07 months PITI |
| 779803 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR5352 | Flood Effective date is greater than the transaction date | No | HOI transaction date | 11.8.2022 Client responded - Uploaded 2nd copy of most current Flood Policy dated xxxxxx also included in credit file shows updated effective date xxxxxx. | 11.8.2022 Client sent the Flood policy verifying the effective date of xxxxxx through xxxxxx. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $145,357.95 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 781 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 10 years |
| 779821 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $483,906.14; required reserves $4147.92 x 6 = $24,887.52.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 695 and minimum for this transaction is 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 18% credit utilization in file |
| 779877 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $19,380.70. Required reserves: 0 months required. Excess reserves $19,380.70.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 688 exceeds minimum required 680 for first time investor.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below the maximum allowable of 80%. |
| 779880 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back at closing and Cash reserves = $118,428.38. Required reserves: 6 months X $4,555.75 = $27,334.50. Excess reserves $91,093.88.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 728 exceeds minimum required 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 22 open tradelines with the longest seasoned 265 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 780092 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 40.44% and maximum allowed is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 700 and minimum is 620. |
| 780096 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower and Co Borrower have lived at current address for 4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $14,844.45 or 11.44 months PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 780111 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Application | Satisfied B A | CRDAPP5430 | xxxxxx Application Form is Outdated | No | (No Data) | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 13% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 784<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months piti reserves 118.77 |
| 780140 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 17 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $90,066.33 or 73.86 months PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 780187 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $34,244.96. Required reserves: 0 months required. Excess reserves $34,244.96.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 697 exceeds minimum required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below the maximum allowable of 80%. |
| 780206 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $82,800.88. Required reserves: 6 months X $3,404.12 = $20,424.72. Excess reserves $62,376.16.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 749 exceeds minimum required 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 2 open tradelines with the longest seasoned 145 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 780209 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $17,851.99. Required reserves: 0 months required. Excess reserves $17,851.99.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 736 exceeds minimum required 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 8 open tradelines with the longest seasoned 145 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 780213 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR3028 | Flood Certificate has incorrect or incomplete data | No | There is an HOI Policy, that also indicated a Flood Policy with a xxxxxx deductible.There is no dollar amount for Flood Insurance coverage. | 10/4/22 - Lender provided an updated Flood Policy Declarations page, 100% replacement coverage. | 10/4/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years and 1 month at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $328,090.54 or 103.04 months of PITIA reserves.Required PITIA Reserves are $3,184.26 x 3 = $9,552.78. |
| 780217 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 11.44 months PITIA exceeds guideline minimum of 3 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 50 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 10 points below guideline maximum of 80% |
| 780218 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 65%, maximum allowed 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score 799, minimum guideline score 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0X30X82<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $96,846.59 or 43.15 months of PITIA reserves Required PITIA Reserves are $2,244.22 X 3 months = $6,732.66.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned and resided in primary residence for 17.7 years. |
| 780219 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing PDI for Individual & Public declaration #xxxxxx declaration date xxxxxx, xxxxxx | 10/11/22 - Lender provided a Disaster Inspection Report reflecting no damage to the subject property. | 10/11/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.96 is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 796 exceeds guidelines |
| 780222 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 credit score is 69 points above the minimum required per guideline<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV is 10 points below the maximum allowed per guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $38,241.72 or 16.86 months of PITIARequired PITIA Reserves are $2,268.76 x 3 months = $6,806.28 |
| 780223 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 credit score is 94 points above the minimum required per guideline |
| 780224 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 723 exceeds guideline requirements of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets:Borrower's Post Close Assets are $11,721.71 or 4.50 months of PITIA reserves.Required PITIA Reserves are $2,613.31 x 3 = $7,839.93 |
| 780225 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 8.22 months PITIA exceeds guideline minimum of 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 50 points above guideline minimum |
| 780226 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3256 | Seller contributions exceed guideline requirements | No | Seller, xxxxxx and broker fees total $21,412.57. 2% of sales price xxxxxx x 2% = $13,664.60. Seller fees over paid is xxxxxx | 10.10.22- Lender provided Seller CD. Exception satisfied. | 10.10.22 -- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score 807, minimum guideline score 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0X30X77<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $67,212.94 or 13.14 months of PITIA reserves Required PITIA Reserves are $5,116.25 X 9 months = $46,046.25. |
| 780226 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | File missing updated valuation product | 10.19.22 - Lender provided updated valuation. | 10.19.22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score 807, minimum guideline score 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0X30X77<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $67,212.94 or 13.14 months of PITIA reserves Required PITIA Reserves are $5,116.25 X 9 months = $46,046.25. |
| 780226 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Public declaration #xxxxxx declaration date xxxxxx, xxxxxx, Non Material B | 10/13/22 - Lender provided a Disaster Inspection Report reflecting no damage to the subject property. | 10/13/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score 807, minimum guideline score 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0X30X77<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $67,212.94 or 13.14 months of PITIA reserves Required PITIA Reserves are $5,116.25 X 9 months = $46,046.25. |
| 780228 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 60.50%, maximum allowed 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score 705, minimum guideline score 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Mortgage payment 0X30X69<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $15,910.24 or 3.14 months of PITIA reserves Required PITIA Reserves are $5,074.12 X 3 months = $15,222.36. |
| 780230 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster xxxxxx- xxxxxx #xxxxxx | 10/10/22 - Lender provided a Disaster Inspection Report reflecting no damage to the subject property. | 10/10/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 651 credit score is 11 points above the minimum required per guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $50,804.78 or 10.37 months of PITIARequired PITIA Reserves are $4,900.24 x 3 months = $14,700.72 |
| 780231 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 12.11 months PITIA exceeds guideline minimum of 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's representative score is |
| 780235 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Public declaration #xxxxxx declaration date xxxxxx, xxxxxx, Non Material B | (No Data) | 10.31.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $122,718.34 or 29.52 months of PITIA Required PITIA Reserves are $4,157.13 x 03 months = $12,471.39<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit line usage ratio: 3.16%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 50% / Max LTV 60% |
| 780241 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | File is missing required 3 months reserves of $14,393.28 | 9/20/22 - Upon further review, the $25,500 deposit was not included in the borrower's funds. | 9/20/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 32 months PI reserves exceeds guidelines. |
| 780241 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | PCCD does not show additional xxxxxx and xxxxxx deposts. | 9/22/22 - Upon further review, the PCCD from xxxxxx has a page 6 reflecting the 2 additional deposits. | 9/22/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 32 months PI reserves exceeds guidelines. |
| 780243 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived C B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Multiple financed properties with xxxxxx by the same borrower is restricted to 4 properties or a maximum aggregate loan amount of xxxxxx which ever is less. Loan application discloses 7 mortgages with xxxxxx which exceeds the maximum of 4 allowed. Provide VOM with actual balances. | 9/21/22 - Upon further review, the exception maybe reduced to a non-material B. | 9/21/22 - Exception non-material B.10.31.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $29,864.68 or 24.51 months of PITIRequired P&I Reserves are $1,218.67 x 3 months = $3656.01<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is > 10 points above guideline maximum of 700<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 3 years 6 months. |
| 780245 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $57,938.97 or 36.74 months of PITIA Required PITIA Reserves are $1,576.79 x 03 months = $4,730.37<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO exceed guideline minimum >50 |
| 780247 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $88,597.94 or 50.60 months of PITIA Required PITIA Reserves are $1,750.83 x 03 months = $5,252.49<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Representative Score: 696 |
| 780251 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Public declaration #xxxxxx declaration date xxxxxx, xxxxxx, Non Material B | (No Data) | 10.31.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 70%, maximum allowed 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score 810, minimum guideline score 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $16,323.03 or 7.62 months of PITIA reserves Required PITIA Reserves are $2,142.13 X 3 months = $6,426.39. |
| 780253 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO exceed guideline minimum >50+<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit line usage ratio:0.46% |
| 780259 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 49.67% LTV is below guideline maximum of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current residence. |
| 780260 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Public declaration #xxxxxx declaration date xxxxxx, xxxxxx, Non Material B | (No Data) | 10.31.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 credit score is 78 points above the minimum required per guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $34,754.06 or 29.98 months of PITIARequired PITIA Reserves are $1,159.12 x 3 months = $3,477.36 |
| 780265 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Public declaration #xxxxxx declaration date xxxxxx, xxxxxx, Non Material B | (No Data) | 10.31.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower's LTV is 70%, maximum allowed is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's representative score is 703, minimum allowed is 700 |
| 780267 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 70%, maximum allowed 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score 747, minimum guideline score 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $37,539.84 or 10.36 months of PITIA reserves Required PITIA Reserves are $3,623.56 X 3 months = $10,870.68. |
| 780269 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO exceed guideline minimum >50+<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 70% / Max LTV 75% |
| 780270 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 credit score is 85 points above the minimum required per guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $21,911.49 or 8.49 months of PITIARequired PITIA Reserves are $2,602.74 x 3 months = $7,814.22 |
| 780271 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets:Borrower's Post Close Assets are $29,127.63 or 14.63 months of PITIA reserves.Required PITIA Reserves are $1,990.80 x 3 = $5,972.40 |
| 780272 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets are $35,350.53 or 7.17 months PITIRequired reserves are 3 months PITI at $4932.03x3= $14,796.09<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is > 10 points above guideline maximum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0x30x38 |
| 780274 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Public declaration #xxxxxx declaration date xxxxxx, xxxxxx, Non-Material B | (No Data) | 10.31.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 680 exceeds guideline |
| 780275 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.26% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's representative score is 701, minimum allowed for 70% LTV is 680 |
| 780276 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date xxxxxx, Disbursement date xxxxxx | 10/18/22 - Lender provided a PCCD reflecting a disbursement date after the effective date of the HOI. | 10/18/22 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 7.12 months PITIA exceeds guideline minimum of 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 50 points above guideline minimum |
| 780284 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Public declaration #xxxxxx declaration date xxxxxx, xxxxxx, Non Material B | (No Data) | 10.31.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 72.86 months PITIA exceeds guideline minimum of 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 10 points below guideline maximum of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 10 points above guideline minimum |
| 780285 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower Credit score 786, minimum guideline score 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $29,654.47 or 14.24 months of PITIA reserves Required PITIA Reserves are $2,082.59 X 3 months = $6,247.77. |
| 780286 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | File is missing final 442 completion certificate | 10/4/22 - Lender provided a copy of the missing 442 (1004D). | 10/4/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.64% LTV is below guideline maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets:Borrower's Post Close Assets are $18,048.21 or 8.60 months of PITIA reserves.Required PITIA Reserves are $2,098.91 x 3 = $6,296.73 |
| 780288 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 mid score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSET Comment:Post Close Assets are $401,256.06 or 65.98 months of PITIA Required PITIA Reserves are $6,081.68 x 9 = $54,735.12 |
| 780289 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's representative credit score is 743, minimum allowed is 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit trade line length is 48 months, minimum length is 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $14,731.36 or 5.72 months of PITIA.Required PITIA Reserves are $2,576.48 x 3 months = $7,729.44. |
| 780293 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 11.93 months PITIA exceeds guideline minimum of 9 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 10 points below guideline maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 50 points above guideline minimum |
| 780294 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO exceed guideline minimum >26<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 75% / Max LTV 80%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit line usage ratio: 1.76% |
| 780299 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 11.60 months PITIA exceeds guideline minimum of 9 months. |
| 780304 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing PDI for Individual & Public declaration #xxxxxx declaration date xxxxxx, xxxxxx | 10/18/22 - Lender provided a Broker Cert reflecting no damage to the subject property. | 10/18/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 1 month at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets:Borrower's Post Close Assets are $12,919.40 or 3.28 months of PITIA reserves.Required PITIA Reserves are $3,937.31 x 3 = $11,811.93 |
| 780305 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $33,769.77 or 16.97 months of PITIA Required PITIA Reserves are $1,990.2 x 03 months = $5,970.60<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO exceed guideline minimum >50+<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV %70 / Max LTV 80% |
| 780306 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Public declaration #xxxxxx declaration date xxxxxx, xxxxxx, Non Material B | (No Data) | 10.31.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% exceed minimum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 711 exceed required of 700 |
| 780451 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $103,353.74. Required reserves: 6 months X $1,241.20 = $7,447.20. Excess reserves $95,906.54.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 712 exceeds minimum required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.059% is below the maximum allowable of 75%. |
| 780477 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $69,001.14. Required reserves: 6 months X $2,070.12 = $12,420.72. Excess reserves $56,580.42.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 737 exceeds minimum required 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 4 open tradelines with the longest seasoned 128 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 780774 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current primary residence for 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 724 exceeds guideline matrix 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 780777 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 30 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 57.45% is below 75% for c/o refinance with credit score of 741 and DSCR > 1.000<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 741 exceeds guideline minimum of 620 for c/o refinance with DSCR > 1.0<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $44,873.82 or 33.75 months PITI |
| 780781 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 690 exceeds guideline minimum 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $250,487.27 or 36.40 months PITI<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 780801 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 783 exceeds minimum required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $5,491.02.0 months required. Excess reserves $5,491.02.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 16 open tradelines with the longest seasoned 179 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 780803 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 753 exceeds minimum required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $12,800.45. Required reserves: 0 months required. Excess reserves $12,800.45.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 4 open tradelines with the longest seasoned 191 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 780935 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 740 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 79% is below guideline requirements |
| 780950 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 exceeds minimum required 660 based on LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 46.88% is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $399,016.35. Required reserves: 6 months X $9,326.92 = $55,961.52. Excess reserves $343,054.83. |
| 780952 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing lease agreement on subject property. Appraisal reflects subject is Tenant Occupied with current rent of xxxxxx Note xxxxxx in file reflects rent estimate is xxxxxx | 12/01/2022 Received exception request form reflecting the market survey rent used in calculations. | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 3 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $93,307.96 or 81.42 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 780962 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $55,862.44. 0 months required. Excess reserves $55,862.44.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 760 exceeds minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 80% for Short Term Rentals. |
| 781125 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $80,550.38; required reserves $3456.34 x 6 = $20,738.04.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 741 and minimum required is 620 |
| 781186 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $117,226.06 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 710 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements |
| 781188 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower cash reserves $683,174.33 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 742 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years |
| 781514 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 718 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $98,208.49 or 39.93 months PITI |
| 781565 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $12,663.89 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 718 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 69% is below guideline requirements |
| 781753 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 752<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 13.98 months piti reserves<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.07% LTV in file |
| 781755 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 690 exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 79% is below guideline requirements<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage payment history |
| 781821 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $28,811.83 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 701 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years |

---

## Exhibit 99.10

**EXHIBIT 99.10**

**clayton loan level tape compare upload**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2023-INV1 |
| **Start - End Dates:** | 3/2022-12/2022 |
| **Deal Loan Count:** | 498 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 780213 | xxxxxx | Total Cash Out | (331020.38) | 328090.54 |
| 780217 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780218 | xxxxxx | Borrower 1 First Name | xxxxxx | xxxxxx |
| 780219 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780222 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780223 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780224 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 780224 | xxxxxx | Total Cash Out | (5162.55) | 8011.16 |
| 780225 | xxxxxx | Borrower 1 First Time Home Buyer | No | Yes |
| 780226 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780226 | xxxxxx | Documentation Type | Alt Doc | NIVA |
| 780228 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 780228 | xxxxxx | Total Cash Out | (8295.01) | 7241.55 |
| 780230 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780230 | xxxxxx | Borrower 1 First Name | xxxxxx | xxxxxx |
| 780231 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780241 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780243 | xxxxxx | Borrower DSCR Percent | 1.0003 | 1.1898 |
| 780243 | xxxxxx | Total Cash Out | (29910.42) | 29864.68 |
| 780245 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 780245 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 780245 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 780245 | xxxxxx | Total Cash Out | (11453.15) | 11666.66 |
| 780251 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780251 | xxxxxx | Borrower 1 First Name | xxxxxx | xxxxxx |
| 780253 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780253 | xxxxxx | Borrower 1 Self Employed Flag | Yes | No |
| 780265 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780267 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780269 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780270 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780272 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780274 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780275 | xxxxxx | Documentation Type | Alt Doc | NIVA |
| 780275 | xxxxxx | Total Cash Out | (52522.89) | 52424.09 |
| 780276 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780276 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 780284 | xxxxxx | Total Cash Out | (131615.60) | 131863.26 |
| 780286 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 780288 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780288 | xxxxxx | Documentation Type | Alt Doc | NIVA |
| 780293 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780293 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 780293 | xxxxxx | Documentation Type | Alt Doc | NIVA |
| 780294 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780299 | xxxxxx | Borrower 1 First Time Home Buyer | Yes | No |
| 780299 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 780299 | xxxxxx | Documentation Type | Alt Doc | NIVA |
| 780306 | xxxxxx | Assumable ID | Not Assumable | Not for fixed period; upon credit approval for adj period |
| 780306 | xxxxxx | Total Cash Out | (219674.81) | 219674.81 |
| 777017 | xxxxxx | Borrower DSCR Percent | 1.94 | 1.9498 |
| 777018 | (No Data) | Borrower DSCR Percent | 1 | 1.0074 |
| 777018 | (No Data) | Cash Reserves | 12841.96 | 234292.39 |
| 777018 | (No Data) | Months Reserves | 2.00 | 42.92 |
| 777022 | xxxxxx | Borrower 1 SSN | xxxxxx | xxxxxx |
| 768235 | xxxxxx | Cash Reserves | 196000.00 | 92200.27 |
| 768235 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768235 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 768235 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 768235 | xxxxxx | Prepay Penalty Term | 60 | 36 |
| 768235 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 768252 | (No Data) | Cash Reserves | 97320.96 | 24496.83 |
| 768252 | (No Data) | First Rate Change Date | 04/01/2032 | 04/01/2029 |
| 768252 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 768252 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 768269 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768269 | (No Data) | First Rate Change Date | 04/01/2032 | 04/01/2029 |
| 768269 | (No Data) | Months Reserves | 6.00 | 99.98 |
| 768269 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 768269 | (No Data) | Product Type | 7/1 I/O ARM | 10/6 IO ARM |
| 768269 | (No Data) | Total Cash Out | (458651.92) | 458651.92 |
| 768474 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768474 | (No Data) | First Rate Change Date | 05/01/2032 | 05/01/2029 |
| 768474 | (No Data) | Months Reserves | 6.00 | 39.82 |
| 768474 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 768474 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 768478 | xxxxxx | Cash Reserves | 1511413.52 | 697791.68 |
| 768478 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 768478 | xxxxxx | Months Reserves | 338.00 | 172.78 |
| 768478 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 768478 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 768491 | xxxxxx | Cash Reserves | 79652.14 | 2879.28 |
| 768491 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 768491 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768491 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 768491 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 768491 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 768491 | xxxxxx | Product Type | 7/1 I/O ARM | 10/6 IO ARM |
| 768493 | xxxxxx | Credit Report Date | 02/01/2022 | 02/07/2022 |
| 768493 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768493 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 768493 | xxxxxx | Months Reserves | 6.00 | 68.04 |
| 768493 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 768493 | xxxxxx | Product Type | 7/1 I/O ARM | 10/6 IO ARM |
| 768493 | xxxxxx | Total Cash Out | (543394.19) | 543394.19 |
| 768758 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768758 | (No Data) | Months Reserves | 13.00 | 48.59 |
| 768760 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 768760 | xxxxxx | Months Reserves | 162.00 | 188.85 |
| 768760 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 768760 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 768761 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768761 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 768761 | xxxxxx | Months Reserves | 3.00 | 4.26 |
| 768761 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 768761 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 768765 | xxxxxx | Cash Reserves | 10850.08 | 65640.69 |
| 768765 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768765 | xxxxxx | Months Reserves | 8.00 | 19.25 |
| 768765 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 768765 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 768765 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 768769 | (No Data) | Credit Report Date | 06/02/2022 | 06/24/2022 |
| 768769 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 768769 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 768773 | xxxxxx | Cash Reserves | 89868.52 | 178104.53 |
| 768773 | xxxxxx | Months Reserves | 52.00 | 187.41 |
| 768780 | (No Data) | Cash Reserves | 117883.61 | 73948.22 |
| 768780 | (No Data) | Credit Report Date | 12/20/2021 | 02/07/2022 |
| 768780 | (No Data) | Original Appraisal Date | 04/01/2022 | 02/18/2022 |
| 768786 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768786 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 768786 | xxxxxx | Months Reserves | 6.00 | 21.11 |
| 768786 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 768786 | xxxxxx | Product Type | 7/1 I/O ARM | 10/6 ARM |
| 768786 | xxxxxx | Total Cash Out | (121609.66) | 121609.66 |
| 768790 | xxxxxx | Cash Reserves | 134256.14 | 29636.73 |
| 768790 | xxxxxx | Months Reserves | 8.00 | 9.56 |
| 768790 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 768793 | xxxxxx | Cash Reserves | 73312.53 | 25495.65 |
| 768793 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 768804 | (No Data) | Cash Reserves | 14649.82 | 83465.47 |
| 768804 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768804 | (No Data) | Total Cash Out | (26265.27) | 83465.47 |
| 768916 | xxxxxx | Cash Reserves | 481498.39 | 94324.31 |
| 768916 | xxxxxx | Months Reserves | 7.00 | 9.16 |
| 768916 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 768916 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 768937 | (No Data) | Original Appraisal Date | 11/30/2021 | 12/13/2021 |
| 768944 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 768944 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 768944 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 768944 | xxxxxx | Product Type | 7/1 I/O ARM | 10/6 IO ARM |
| 768947 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 768947 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 768947 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 768947 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 768947 | xxxxxx | Total Cash Out | (595386.79) | 596101.73 |
| 768953 | (No Data) | Cash Reserves | 246471.10 | 7157.07 |
| 768953 | (No Data) | Months Reserves | 188.00 | 5.72 |
| 769076 | (No Data) | Cash Reserves | 156106.38 | 38364.33 |
| 769076 | (No Data) | Months Reserves | 14.00 | 11.51 |
| 769162 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769162 | (No Data) | Months Reserves | 6.00 | 126.44 |
| 769162 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 769162 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 769162 | (No Data) | Total Cash Out | (207143.45) | 207143.45 |
| 769167 | xxxxxx | Cash Reserves | 68397.83 | 134198.11 |
| 769167 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 769167 | xxxxxx | Months Reserves | 16.00 | 36.01 |
| 769172 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 769172 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769172 | xxxxxx | Months Reserves | 98.00 | 102.10 |
| 769172 | xxxxxx | Total Cash Out | (81955.99) | 81955.99 |
| 769246 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769246 | (No Data) | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 769246 | (No Data) | Total Cash Out | (207006.43) | 207006.43 |
| 769272 | (No Data) | Months Reserves | 6.00 | 109.87 |
| 769272 | (No Data) | Total Cash Out | (400597.95) | 400597.95 |
| 769283 | (No Data) | Months Reserves | 6.00 | 98.62 |
| 769283 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 769283 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 769283 | (No Data) | Total Cash Out | (100944.09) | 100944.09 |
| 769324 | (No Data) | Months Reserves | 6.00 | 68.92 |
| 769324 | (No Data) | Total Cash Out | (45449.05) | 45449.05 |
| 769326 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769326 | xxxxxx | Months Reserves | 15.00 | 2.35 |
| 769326 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 769326 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 769326 | xxxxxx | Total Cash Out | (4316.72) | 4316.72 |
| 769328 | (No Data) | Borrower 1 Self Employed Flag | No | Yes |
| 769328 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769328 | (No Data) | Months Reserves | 6.00 | 56.38 |
| 769328 | (No Data) | Total Cash Out | (47008.64) | 47008.64 |
| 769333 | xxxxxx | Cash Reserves | 258755.67 | 98248.38 |
| 769333 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 769333 | xxxxxx | Months Reserves | 62.00 | 23.61 |
| 769334 | (No Data) | Cash Reserves | 199661.99 | 103431.59 |
| 769334 | (No Data) | Disbursement Date | xxxxxx | xxxxxx |
| 769334 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769334 | (No Data) | Months Reserves | 167.00 | 103.58 |
| 769334 | (No Data) | Original Appraisal Date | 01/01/2022 | 03/30/2022 |
| 769334 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 769334 | (No Data) | Representative Credit Score for Grading | 793 | 765 |
| 769338 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769338 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 769338 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 769338 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 769399 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769399 | (No Data) | First Rate Change Date | 06/01/2032 | 06/01/2029 |
| 769399 | (No Data) | Months Reserves | 6.00 | 16.12 |
| 769399 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 769399 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 769399 | (No Data) | Property Type | SFR | SFR-Attached |
| 769399 | (No Data) | Total Cash Out | (50936.55) | 50936.55 |
| 769483 | (No Data) | Cash Reserves | 127101.15 | 79826.62 |
| 769483 | (No Data) | Credit Report Date | 03/28/2022 | 03/30/2022 |
| 769483 | (No Data) | Disbursement Date | xxxxxx | xxxxxx |
| 769483 | (No Data) | Months Reserves | 97.00 | 80.67 |
| 769483 | (No Data) | Original Appraisal Date | 04/01/2022 | 03/30/2022 |
| 769483 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 769483 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 769483 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 769486 | (No Data) | Months Reserves | 22.00 | 25.03 |
| 769495 | (No Data) | Cash Reserves | 63492.81 | 2325.34 |
| 769495 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 769495 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 769543 | xxxxxx | Cash Reserves | 41700.67 | 94947.23 |
| 769543 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769543 | xxxxxx | Months Reserves | 4.00 | 11.11 |
| 769543 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 769543 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 769665 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769665 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 769665 | xxxxxx | Total Cash Out | (4526.03) | 4526.03 |
| 769670 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769670 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 769670 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 769670 | (No Data) | Total Cash Out | (3208.61) | 3208.61 |
| 769673 | (No Data) | Total Cash Out | (33710.95) | 33060.95 |
| 769682 | (No Data) | Cash Reserves | 19163.63 | 269491.38 |
| 769682 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769682 | (No Data) | Months Reserves | 9.00 | 122.55 |
| 769682 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 769682 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 769682 | (No Data) | Total Cash Out | (269491.38) | 269491.38 |
| 769722 | xxxxxx | Cash Reserves | 61477.42 | 6713.27 |
| 769722 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769722 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 769722 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 769722 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 769727 | xxxxxx | Borrower 1 Self Employed Flag | No | Yes |
| 769727 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 769727 | xxxxxx | Months Reserves | 6.00 | 47.00 |
| 769727 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 769727 | xxxxxx | Total Cash Out | (352326.34) | 349645.18 |
| 769729 | xxxxxx | Cash Reserves | 255189.91 | 87107.00 |
| 769729 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769729 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 769729 | xxxxxx | Months Reserves | 13.00 | 16.02 |
| 769729 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 769729 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 769767 | xxxxxx | Cash Reserves | 97350.00 | 154411.78 |
| 769767 | xxxxxx | Months Reserves | 37.00 | 113.13 |
| 769768 | (No Data) | Cash Reserves | 376747.06 | 62733.42 |
| 769768 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769768 | (No Data) | First Rate Change Date | 06/01/2032 | 06/01/2029 |
| 769768 | (No Data) | Months Reserves | 27.00 | 10.22 |
| 769768 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 769768 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 769814 | xxxxxx | Credit Report Date | 01/13/2022 | 01/18/2022 |
| 769814 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 769814 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769814 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 769814 | xxxxxx | Months Reserves | 28.00 | 31.42 |
| 769814 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 769814 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 769814 | xxxxxx | Property Type | SFR | High Rise Condo (9+) |
| 769814 | xxxxxx | Representative Credit Score for Grading | 787 | 785 |
| 769818 | (No Data) | Cash Reserves | 119755.71 | 75789.92 |
| 769818 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769819 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769819 | (No Data) | First Rate Change Date | 05/01/2032 | 05/01/2029 |
| 769819 | (No Data) | Months Reserves | 51.00 | 48.19 |
| 769819 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 769819 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 769819 | (No Data) | Total Cash Out | (120557.28) | 120557.28 |
| 769974 | xxxxxx | Cash Reserves | 228315.67 | 46958.11 |
| 769974 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769977 | xxxxxx | Cash Reserves | 56175.81 | 73117.10 |
| 769977 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 769977 | xxxxxx | Months Reserves | '-25.00 | 18.61 |
| 769977 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 769977 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 769977 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 770035 | (No Data) | Maturity Date | 08/01/2062 | 08/01/2052 |
| 770035 | (No Data) | Original P&I | 2725.18 | 2900.84 |
| 770035 | (No Data) | Original Term | 480 | 360 |
| 770036 | (No Data) | Months Reserves | 39.00 | 6.28 |
| 770040 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770040 | (No Data) | First Rate Change Date | 05/01/2032 | 05/01/2029 |
| 770040 | (No Data) | Months Reserves | 6.00 | 27.82 |
| 770040 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 770040 | (No Data) | Product Type | 7/1 I/O ARM | 10/6 IO ARM |
| 770040 | (No Data) | Total Cash Out | (42648.47) | 42253.19 |
| 770044 | (No Data) | Cash Reserves | 300514.07 | 112630.09 |
| 770044 | (No Data) | First Rate Change Date | 08/01/2032 | 08/01/2029 |
| 770044 | (No Data) | Months Reserves | 4.00 | 11.86 |
| 770044 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 770044 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770047 | xxxxxx | Cash Reserves | 129883.36 | 49573.21 |
| 770047 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770047 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 770047 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770047 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770052 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 770052 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 770052 | xxxxxx | Original LTV | 69 | 67 |
| 770052 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 770052 | xxxxxx | Total Cash Out | (113930.53) | 120980.47 |
| 770053 | xxxxxx | Cash Reserves | 350981.95 | 39941.90 |
| 770053 | xxxxxx | Months Reserves | 66.00 | 7.60 |
| 770053 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770053 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 770060 | (No Data) | Cash Reserves | 184937.23 | 19483.78 |
| 770061 | (No Data) | Cash Reserves | 109225.08 | 56777.92 |
| 770061 | (No Data) | Months Reserves | 11.00 | 31.38 |
| 770067 | xxxxxx | Cash Reserves | 79661.49 | 7719.93 |
| 770067 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770067 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 770067 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770067 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 770067 | xxxxxx | Property Type | SFR | Low Rise Condo (1-4) |
| 770073 | xxxxxx | Cash Reserves | 333790.76 | 162072.91 |
| 770073 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 770073 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770073 | xxxxxx | Months Reserves | 21.00 | 30.28 |
| 770074 | (No Data) | Cash Reserves | 291553.66 | 49497.41 |
| 770074 | (No Data) | Disbursement Date | xxxxxx | xxxxxx |
| 770074 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770074 | (No Data) | First Rate Change Date | 05/01/2032 | 05/01/2029 |
| 770074 | (No Data) | Months Reserves | 1.00 | 6.90 |
| 770074 | (No Data) | Original Appraisal Date | 03/31/2022 | 03/16/2022 |
| 770074 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 770074 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770076 | xxxxxx | Cash Reserves | 342578.51 | 135437.80 |
| 770076 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 770076 | xxxxxx | Months Reserves | 5.00 | 18.40 |
| 770076 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770076 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770078 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770078 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 770143 | xxxxxx | Cash Reserves | 115561.49 | 157977.71 |
| 770143 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770143 | xxxxxx | Months Reserves | 62.00 | 85.03 |
| 770143 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 770143 | xxxxxx | Total Cash Out | (157977.71) | 157977.71 |
| 770148 | (No Data) | Months Reserves | 83.00 | 86.25 |
| 770148 | (No Data) | Origination Date | xxxxxx | xxxxxx |
| 770148 | (No Data) | Total Cash Out | (78495.22) | 78476.93 |
| 770149 | xxxxxx | Cash Reserves | 181929.06 | 17734.19 |
| 770149 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 770149 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770149 | xxxxxx | Months Reserves | 9.00 | 3.97 |
| 770149 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770149 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770193 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 770193 | xxxxxx | Months Reserves | 8.00 | 54.54 |
| 770193 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770193 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770239 | xxxxxx | Cash Reserves | 377785.64 | 267616.14 |
| 770239 | xxxxxx | Months Reserves | 27.00 | 50.75 |
| 770239 | xxxxxx | Number of Units | 1 | 2 |
| 770239 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 770239 | xxxxxx | Property Type | SFR | 2 Family |
| 770239 | xxxxxx | Representative Credit Score for Grading | 749 | 755 |
| 770261 | xxxxxx | Cash Reserves | 136367.00 | 13819.80 |
| 770261 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770261 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 770262 | xxxxxx | Months Reserves | 6.00 | 52.05 |
| 770262 | xxxxxx | Total Cash Out | (155164.42) | 154959.42 |
| 770264 | xxxxxx | Cash Reserves | 32186.40 | 378019.68 |
| 770264 | xxxxxx | Months Reserves | 6.00 | 78.76 |
| 770264 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 770265 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770265 | (No Data) | Months Reserves | 115.00 | 117.82 |
| 770265 | (No Data) | Total Cash Out | (64813.94) | 64664.50 |
| 770269 | (No Data) | Cash Reserves | 134783.85 | 64123.90 |
| 770269 | (No Data) | Disbursement Date | xxxxxx | xxxxxx |
| 770269 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770269 | (No Data) | First Rate Change Date | 06/01/2032 | 06/01/2029 |
| 770269 | (No Data) | Months Reserves | 14.00 | 18.40 |
| 770269 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 770269 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770269 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 770271 | (No Data) | Cash Reserves | 115305.93 | 21695.10 |
| 770271 | (No Data) | Months Reserves | 2.00 | 5.76 |
| 770366 | xxxxxx | Cash Reserves | 186861.49 | 19320.43 |
| 770366 | xxxxxx | Months Reserves | 45.00 | 5.00 |
| 770367 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770367 | xxxxxx | Months Reserves | 7.00 | 45.51 |
| 770425 | xxxxxx | Cash Reserves | 315414.25 | 49937.83 |
| 770425 | xxxxxx | Credit Report Date | 03/30/2022 | 04/04/2022 |
| 770425 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 770425 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 770425 | xxxxxx | Months Reserves | 52.00 | 8.29 |
| 770425 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770425 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770428 | xxxxxx | Cash Reserves | 60195.00 | 15053.91 |
| 770428 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 770428 | xxxxxx | Months Reserves | 3.00 | 10.84 |
| 770428 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770428 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770435 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770435 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 770435 | xxxxxx | Months Reserves | 6.00 | 144.89 |
| 770435 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770435 | xxxxxx | Prepay Penalty Term | 60 | 36 |
| 770435 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770435 | xxxxxx | Total Cash Out | (405942.64) | 405647.68 |
| 770526 | xxxxxx | Cash Reserves | 68250.00 | 44982.64 |
| 770526 | xxxxxx | Months Reserves | 9.00 | 22.24 |
| 770529 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770529 | (No Data) | First Rate Change Date | 06/01/2032 | 06/01/2029 |
| 770529 | (No Data) | Months Reserves | 6.00 | 39.20 |
| 770529 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 770529 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770529 | (No Data) | Total Cash Out | (135362.16) | 135362.16 |
| 770560 | xxxxxx | Cash Reserves | 160680.00 | 120450.72 |
| 770560 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770560 | xxxxxx | Months Reserves | 99.00 | 101.11 |
| 770565 | (No Data) | Cash Reserves | 118724.88 | 77703.47 |
| 770565 | (No Data) | Months Reserves | 9.00 | 39.26 |
| 770565 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 770565 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 770613 | (No Data) | Credit Report Date | 05/03/2022 | 06/03/2022 |
| 770613 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770613 | (No Data) | Months Reserves | 6.00 | 19.23 |
| 770613 | (No Data) | Total Cash Out | (33783.42) | 38290.42 |
| 770615 | (No Data) | Cash Reserves | 100496.31 | 21812.61 |
| 770615 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770615 | (No Data) | First Rate Change Date | 07/01/2032 | 07/01/2029 |
| 770615 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 770615 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770633 | xxxxxx | Cash Reserves | 69501.00 | 36929.29 |
| 770633 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770700 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770700 | (No Data) | Months Reserves | 6.00 | 37.42 |
| 770700 | (No Data) | Original Appraisal Date | 01/01/2022 | 04/04/2022 |
| 770700 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 770700 | (No Data) | Total Cash Out | (234385.57) | 234385.57 |
| 770702 | (No Data) | Months Reserves | 6.00 | 59.04 |
| 770702 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 770702 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 770702 | (No Data) | Total Cash Out | (65573.31) | 65167.31 |
| 770723 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770723 | (No Data) | Months Reserves | 6.00 | 87.93 |
| 770723 | (No Data) | Total Cash Out | (6985.01) | 99302.23 |
| 770726 | (No Data) | Borrower 1 Self Employed Flag | Yes | No |
| 770726 | (No Data) | Cash Reserves | 111864.55 | 3987.58 |
| 770726 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770726 | (No Data) | Months Reserves | 6.00 | 3.31 |
| 770727 | (No Data) | Cash Reserves | 111864.55 | 64244.41 |
| 770727 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770727 | (No Data) | Months Reserves | 6.00 | 47.85 |
| 770769 | xxxxxx | Cash Reserves | 154253.96 | 57227.82 |
| 770769 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 770769 | xxxxxx | Months Reserves | 26.00 | 27.10 |
| 770769 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770769 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770776 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770776 | xxxxxx | Product Type | 30 yr Fixed - 10 yr IO | 10/6 ARM |
| 770838 | xxxxxx | Cash Reserves | 176390.00 | 99033.43 |
| 770838 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770838 | xxxxxx | Months Reserves | 1.00 | 121.09 |
| 770838 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770838 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 770838 | xxxxxx | Total Cash Out | (93043.43) | 93033.43 |
| 770839 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770839 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 770839 | xxxxxx | Months Reserves | 4812.00 | 128.08 |
| 770839 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 770839 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 770839 | xxxxxx | Total Cash Out | (104970.00) | 104960.00 |
| 770963 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 770963 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 770963 | (No Data) | Months Reserves | 6.00 | 66.69 |
| 770963 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 770963 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 770963 | (No Data) | Total Cash Out | (250323.09) | 250323.09 |
| 771071 | (No Data) | Cash Reserves | 82683.27 | 38236.07 |
| 771071 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771071 | (No Data) | Months Reserves | 3.00 | 13.50 |
| 771071 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 771071 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 771091 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771091 | (No Data) | First Rate Change Date | 08/01/2032 | 08/01/2029 |
| 771091 | (No Data) | Original Appraisal Date | 05/17/2022 | 05/16/2022 |
| 771091 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 771091 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 771193 | xxxxxx | Cash Reserves | 353271.91 | 83557.27 |
| 771193 | xxxxxx | Months Reserves | 58.00 | 13.61 |
| 771193 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 771193 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 771197 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771197 | xxxxxx | Months Reserves | 6.00 | 72.14 |
| 771197 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 771198 | xxxxxx | Borrower 1 Self Employed Flag | No | Yes |
| 771198 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771198 | xxxxxx | Months Reserves | 6.00 | 98.21 |
| 771198 | xxxxxx | Note Rate | 5.825 | 5.8750 |
| 771198 | xxxxxx | Total Cash Out | (394950.50) | 394950.50 |
| 771201 | xxxxxx | Borrower 2 First Name | xxxxxx | xxxxxx |
| 771201 | xxxxxx | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 771201 | xxxxxx | Cash Reserves | 353661.90 | 229139.40 |
| 771201 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771201 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 771201 | xxxxxx | Product Type | 30 yr Fixed - 10 yr IO | 10/6 ARM |
| 771202 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 771202 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 771202 | (No Data) | Total Cash Out | (6754.32) | 6754.32 |
| 771210 | (No Data) | Credit Report Date | 04/18/2022 | 05/04/2022 |
| 771210 | (No Data) | Months Reserves | 6.00 | 13.36 |
| 771214 | xxxxxx | Cash Reserves | 13000.00 | 67058.24 |
| 771214 | xxxxxx | Months Reserves | 6.00 | 71.95 |
| 771214 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 771214 | xxxxxx | Total Cash Out | (67058.24) | 67058.24 |
| 771218 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771218 | (No Data) | Months Reserves | 111.00 | 109.25 |
| 771218 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 771218 | (No Data) | Total Cash Out | (157143.82) | 157143.82 |
| 771363 | (No Data) | Cash Reserves | 1950240.92 | 35308.98 |
| 771363 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771363 | (No Data) | First Rate Change Date | 08/01/2032 | 08/01/2029 |
| 771363 | (No Data) | Months Reserves | 6.00 | 1.96 |
| 771363 | (No Data) | Original Appraisal Date | 07/01/2022 | 01/26/2022 |
| 771363 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 771363 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 771369 | xxxxxx | Cash Reserves | 91939.00 | 36190.71 |
| 771369 | xxxxxx | Months Reserves | 23.00 | 25.89 |
| 771385 | (No Data) | Cash Reserves | 115878.14 | 11899.47 |
| 771385 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771385 | (No Data) | First Rate Change Date | 07/01/2032 | 07/01/2029 |
| 771385 | (No Data) | Months Reserves | 2.00 | 3.42 |
| 771385 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 771385 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 771401 | xxxxxx | Cash Reserves | 90139.77 | 44818.41 |
| 771401 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771401 | xxxxxx | Months Reserves | 27.00 | 30.59 |
| 771401 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 771401 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 771407 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771407 | (No Data) | Months Reserves | 19.00 | 26.34 |
| 771407 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 771407 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 771422 | xxxxxx | Cash Reserves | 79232.72 | 25408.00 |
| 771422 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771422 | xxxxxx | Months Reserves | 8.00 | 13.98 |
| 771438 | xxxxxx | Cash Reserves | 9500.00 | 21002.95 |
| 771438 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 771438 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771438 | xxxxxx | Months Reserves | 6.00 | 13.10 |
| 771438 | xxxxxx | Total Cash Out | (21002.95) | 21002.95 |
| 771447 | xxxxxx | Cash Reserves | 215552.88 | 137176.56 |
| 771447 | xxxxxx | Months Reserves | 72.00 | 68.32 |
| 771466 | xxxxxx | Cash Reserves | 221239.50 | 77445.61 |
| 771466 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 771466 | xxxxxx | Months Reserves | 15.00 | 16.68 |
| 771469 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771469 | (No Data) | First Rate Change Date | 06/01/2032 | 06/01/2029 |
| 771469 | (No Data) | Months Reserves | 6.00 | 16.03 |
| 771469 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 771469 | (No Data) | Prepay Penalty Term | 36 | 60 |
| 771469 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 771469 | (No Data) | Total Cash Out | (32429.38) | 32429.38 |
| 771529 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771529 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 771529 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 771538 | xxxxxx | Cash Reserves | 176769.00 | 79883.89 |
| 771538 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771538 | xxxxxx | Months Reserves | 6178.00 | 60.42 |
| 771580 | xxxxxx | Cash Reserves | 255249.00 | 11053.27 |
| 771580 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 771580 | xxxxxx | Months Reserves | 7.00 | 6.00 |
| 771773 | xxxxxx | Cash Reserves | 138447.00 | 33630.41 |
| 771773 | xxxxxx | Credit Report Date | 02/28/2022 | 05/31/2022 |
| 771773 | xxxxxx | Months Reserves | 7.00 | 10.35 |
| 771778 | xxxxxx | Cash Reserves | 190356.21 | 32493.01 |
| 771792 | xxxxxx | Cash Reserves | 130882.20 | 8957.06 |
| 771792 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771792 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 771792 | xxxxxx | Months Reserves | 8.00 | 4.14 |
| 771792 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 771792 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 771808 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 771808 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 771808 | (No Data) | Total Cash Out | (3145.01) | 3145.01 |
| 771844 | (No Data) | Disbursement Date | xxxxxx | xxxxxx |
| 771844 | (No Data) | Months Reserves | 39.00 | 45.52 |
| 771844 | (No Data) | Original Appraisal Date | 04/30/2022 | 05/16/2022 |
| 771981 | xxxxxx | Borrower 1 Self Employed Flag | No | Yes |
| 771981 | xxxxxx | Cash Reserves | 99077.05 | 68618.08 |
| 771981 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 771981 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 771981 | xxxxxx | Months Reserves | 3.00 | 43.73 |
| 771981 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 771981 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 771981 | xxxxxx | Product Type | 7/1 I/O ARM | 10/6 IO ARM |
| 772025 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772025 | xxxxxx | Months Reserves | 375.00 | 54.87 |
| 772025 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 772047 | xxxxxx | Months Reserves | 10.00 | 11.42 |
| 772047 | xxxxxx | Total Cash Out | (17137.40) | 17137.40 |
| 772139 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772139 | (No Data) | First Rate Change Date | 08/01/2032 | 08/01/2029 |
| 772139 | (No Data) | Months Reserves | '-22.00 | 17.99 |
| 772139 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 772139 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 772139 | (No Data) | Total Cash Out | (16236.44) | 16236.44 |
| 772141 | xxxxxx | Cash Reserves | 105800.00 | 17222.04 |
| 772141 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772141 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 772141 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 772167 | xxxxxx | Cash Reserves | 98859.73 | 2508170.00 |
| 772167 | xxxxxx | Months Reserves | 16.00 | 1256.60 |
| 772167 | xxxxxx | Original Appraisal Date | 05/24/2002 | 05/24/2022 |
| 772167 | xxxxxx | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 772169 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772169 | xxxxxx | Months Reserves | 115.00 | 116.89 |
| 772184 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 772184 | xxxxxx | Property Type | SFR | Low Rise Condo (1-4) |
| 772184 | xxxxxx | Total Cash Out | (4766.36) | 3172.54 |
| 772186 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772186 | (No Data) | Months Reserves | 6.00 | 98.07 |
| 772186 | (No Data) | Original Appraisal Date | 04/15/2022 | 04/27/2022 |
| 772186 | (No Data) | Total Cash Out | (92417.46) | 92417.46 |
| 772188 | xxxxxx | Cash Reserves | 310975.27 | 890922.60 |
| 772188 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772188 | xxxxxx | Months Reserves | 55.00 | 265.91 |
| 772188 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 772188 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 772189 | xxxxxx | Cash Reserves | 310975.27 | 935783.88 |
| 772189 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772189 | xxxxxx | Months Reserves | 75.00 | 305.79 |
| 772189 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 772189 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 772222 | xxxxxx | Cash Reserves | 119901.90 | 65363.73 |
| 772222 | xxxxxx | Months Reserves | 27.00 | 31.12 |
| 772222 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 772222 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 772387 | (No Data) | Cash Reserves | 1000222.26 | 468548.30 |
| 772387 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772387 | (No Data) | Months Reserves | 99.00 | 48.11 |
| 772387 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 772387 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 772390 | xxxxxx | Cash Reserves | 138156.26 | 48144.21 |
| 772390 | xxxxxx | Months Reserves | 1.00 | 15.10 |
| 772392 | (No Data) | Cash Reserves | 162514.78 | 80882.56 |
| 772392 | (No Data) | Disbursement Date | xxxxxx | xxxxxx |
| 772392 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772392 | (No Data) | Months Reserves | 24.00 | 33.87 |
| 772392 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 772392 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 772416 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 772531 | xxxxxx | Cash Reserves | 564667.55 | 84309.70 |
| 772531 | xxxxxx | Credit Report Date | 05/08/2022 | 06/23/2022 |
| 772531 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 772534 | (No Data) | Months Reserves | 6.00 | 118.75 |
| 772534 | (No Data) | Total Cash Out | (193227.66) | 193227.66 |
| 772536 | xxxxxx | Months Reserves | 185.00 | 189.65 |
| 772536 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 772554 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772554 | (No Data) | First Rate Change Date | 07/01/2032 | 07/01/2029 |
| 772554 | (No Data) | Months Reserves | 6.00 | 30.20 |
| 772554 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 772554 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 772554 | (No Data) | Total Cash Out | (111127.93) | 111127.93 |
| 772564 | xxxxxx | Borrower 1 Self Employed Flag | No | Yes |
| 772564 | xxxxxx | Cash Reserves | 131994.60 | 63130.36 |
| 772564 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772564 | xxxxxx | Months Reserves | 42.00 | 40.30 |
| 772565 | (No Data) | Months Reserves | 6.00 | 134.27 |
| 772565 | (No Data) | Total Cash Out | (190789.60) | 193150.44 |
| 772572 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772572 | (No Data) | First Rate Change Date | 07/01/2032 | 07/01/2029 |
| 772572 | (No Data) | Months Reserves | 6.00 | 105.95 |
| 772572 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 772572 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 772572 | (No Data) | Total Cash Out | (597912.39) | 597912.39 |
| 772758 | (No Data) | Cash Reserves | 896779.00 | 622994.49 |
| 772758 | (No Data) | Credit Report Date | 05/04/2022 | 05/31/2022 |
| 772758 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772758 | (No Data) | First Rate Change Date | 07/01/2032 | 07/01/2029 |
| 772758 | (No Data) | Months Reserves | 97.00 | 92.03 |
| 772758 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 772758 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 772758 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 772762 | (No Data) | Credit Report Date | 04/29/2022 | 06/16/2022 |
| 772762 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772762 | (No Data) | First Rate Change Date | 07/01/2032 | 07/01/2029 |
| 772762 | (No Data) | Months Reserves | 6.00 | 38.98 |
| 772762 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 772762 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 772762 | (No Data) | Total Cash Out | (88845.86) | 88845.86 |
| 772765 | xxxxxx | Cash Reserves | 571.06 | 53395.14 |
| 772765 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772765 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 772765 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 772766 | xxxxxx | Credit Report Date | 06/01/2022 | 07/01/2022 |
| 772766 | xxxxxx | Product Type | 40 Yr Fixed Interest Only | 10 Yr IO, Fixed Rate |
| 772786 | xxxxxx | Credit Report Date | 05/19/2022 | 05/24/2022 |
| 772786 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 772786 | xxxxxx | Months Reserves | 84.00 | 126.29 |
| 772786 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 772786 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 772800 | xxxxxx | Cash Reserves | 201899.78 | 26231.40 |
| 772800 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772800 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 772815 | xxxxxx | Cash Reserves | 182972.91 | 565137.66 |
| 772815 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772815 | xxxxxx | Months Reserves | 86.00 | 366.54 |
| 772815 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 772815 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 772845 | xxxxxx | Cash Reserves | 97149.93 | 127699.99 |
| 772845 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772845 | xxxxxx | Months Reserves | 12.00 | 60.81 |
| 772845 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 772902 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 772902 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772902 | xxxxxx | Total Cash Out | (156679.85) | 159592.33 |
| 772906 | (No Data) | Borrower 1 First Time Home Buyer | No | Yes |
| 772906 | (No Data) | Months Reserves | 24.00 | 18.76 |
| 772908 | xxxxxx | Months Reserves | 8.00 | 60.67 |
| 772911 | xxxxxx | Cash Reserves | 108827.71 | 58170.01 |
| 772911 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772911 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 772911 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 772911 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 772925 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772925 | (No Data) | First Rate Change Date | 07/01/2032 | 07/01/2029 |
| 772925 | (No Data) | Months Reserves | 107.00 | 36.43 |
| 772925 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 772925 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 772925 | (No Data) | Total Cash Out | (375183.93) | 108983.06 |
| 772926 | xxxxxx | Months Reserves | 571.00 | 569.37 |
| 772986 | xxxxxx | Cash Reserves | 165000.00 | 34123.25 |
| 772986 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772986 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 772986 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 772987 | (No Data) | Months Reserves | 10.00 | 12.31 |
| 772987 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 772987 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 772993 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772993 | xxxxxx | Months Reserves | 6.00 | 112.05 |
| 772993 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 772993 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 772993 | xxxxxx | Total Cash Out | (1141309.60) | 1141309.60 |
| 772994 | (No Data) | Credit Report Date | 03/11/2022 | 04/04/2022 |
| 772994 | (No Data) | Months Reserves | 6.00 | 91.63 |
| 772994 | (No Data) | Original Appraisal Date | 05/15/2022 | 04/05/2022 |
| 772994 | (No Data) | Total Cash Out | (141230.58) | 141230.58 |
| 773030 | (No Data) | Cash Reserves | 508948.61 | 325483.44 |
| 773030 | (No Data) | Months Reserves | 17.00 | 29.26 |
| 773054 | xxxxxx | Total Cash Out | 48075.76 | 58448.35 |
| 773060 | xxxxxx | Cash Reserves | 709130.00 | 332564.04 |
| 773060 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773060 | xxxxxx | Months Reserves | 20.00 | 27.72 |
| 773060 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 773060 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 773065 | (No Data) | Cash Reserves | 28210.03 | 171322.45 |
| 773065 | (No Data) | Months Reserves | '-19.00 | 31.15 |
| 773065 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 773065 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 773341 | xxxxxx | Cash Reserves | 74273.00 | 6924.42 |
| 773341 | xxxxxx | Credit Report Date | 06/12/2022 | 06/27/2022 |
| 773341 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773341 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 773341 | xxxxxx | Months Reserves | 2.00 | 3.50 |
| 773341 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 773341 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 773358 | (No Data) | Cash Reserves | 53408.14 | 26266.94 |
| 773358 | (No Data) | Months Reserves | 33.00 | 29.64 |
| 773389 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773389 | (No Data) | First Rate Change Date | 08/01/2032 | 08/01/2029 |
| 773389 | (No Data) | Months Reserves | 25.00 | 19.94 |
| 773389 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 773389 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 ARM |
| 773447 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773447 | xxxxxx | Months Reserves | 1.00 | 48.55 |
| 773447 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 773447 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 773447 | xxxxxx | Total Cash Out | (148409.35) | 148409.35 |
| 773617 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 773617 | xxxxxx | Months Reserves | 107.00 | 108.01 |
| 773617 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 773619 | (No Data) | Cash Reserves | 59098.27 | 5625.08 |
| 773619 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773619 | (No Data) | First Rate Change Date | 07/01/2032 | 07/01/2029 |
| 773619 | (No Data) | Months Reserves | 3.00 | 4.25 |
| 773619 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 773619 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 773814 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773814 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 773814 | xxxxxx | Months Reserves | 95.00 | 111.03 |
| 773814 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 773814 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 773819 | xxxxxx | Months Reserves | 6.00 | 70.24 |
| 773819 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 773819 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 773819 | xxxxxx | Total Cash Out | (648315.29) | 645690.29 |
| 773892 | xxxxxx | Cash Reserves | 19509.09 | 39426.61 |
| 773892 | xxxxxx | Months Reserves | 31.00 | 24.54 |
| 773892 | xxxxxx | Total Cash Out | (39426.61) | 39426.61 |
| 773923 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773923 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 773923 | xxxxxx | Months Reserves | 6.00 | 0.19 |
| 773923 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 773923 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 773923 | xxxxxx | Total Cash Out | (1651.15) | 1651.15 |
| 773934 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773934 | xxxxxx | Total Cash Out | (106509.72) | 106509.72 |
| 773998 | (No Data) | Disbursement Date | xxxxxx | xxxxxx |
| 773998 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773998 | (No Data) | Months Reserves | 6.00 | 96.54 |
| 773998 | (No Data) | Total Cash Out | (84586.95) | 84586.95 |
| 774006 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774006 | xxxxxx | Months Reserves | 281.00 | 252.17 |
| 774006 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 774006 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 774018 | (No Data) | Cash Reserves | 43810.15 | 60814.17 |
| 774018 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774018 | (No Data) | Months Reserves | 13.00 | 15.92 |
| 774018 | (No Data) | Total Cash Out | (60395.21) | 60148.63 |
| 774099 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774099 | (No Data) | Months Reserves | 6.00 | 83.00 |
| 774099 | (No Data) | Total Cash Out | (100011.53) | 100011.53 |
| 774102 | xxxxxx | Cash Reserves | 200000.00 | 399675.71 |
| 774102 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774102 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 774102 | xxxxxx | Months Reserves | 6.00 | 115.88 |
| 774102 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 774102 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 774102 | xxxxxx | Total Cash Out | (399675.71) | 399675.71 |
| 774103 | (No Data) | Months Reserves | 6.00 | 14.20 |
| 774103 | (No Data) | Total Cash Out | (29785.92) | 29785.92 |
| 774108 | xxxxxx | Cash Reserves | 110718.39 | 44375.98 |
| 774108 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 774108 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774108 | xxxxxx | Months Reserves | 6.00 | 18.35 |
| 774108 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 774108 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 774108 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 774108 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 774112 | xxxxxx | Cash Reserves | 490000.00 | 65835.00 |
| 774112 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774112 | xxxxxx | Months Reserves | 6.00 | 49.55 |
| 774112 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 774112 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 774112 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 774112 | xxxxxx | Total Cash Out | (27539.90) | 27539.90 |
| 774243 | (No Data) | Months Reserves | 6.00 | 109.11 |
| 774243 | (No Data) | Total Cash Out | (142759.34) | 142759.34 |
| 774547 | xxxxxx | Cash Reserves | 349142.97 | 110594.93 |
| 774547 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774552 | xxxxxx | Cash Reserves | 237873.41 | 120974.05 |
| 774552 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 774552 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774552 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 774552 | xxxxxx | Months Reserves | 33.00 | 41.26 |
| 774552 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 774552 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 774590 | xxxxxx | Cash Reserves | 215027.37 | 98178.86 |
| 774590 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 774590 | xxxxxx | Months Reserves | 1.00 | 23.02 |
| 774590 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 774590 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 774590 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 774599 | (No Data) | Cash Reserves | 233751.65 | 97332.00 |
| 774599 | (No Data) | First Rate Change Date | 09/01/2032 | 09/01/2029 |
| 774599 | (No Data) | Months Reserves | 28.00 | 23.87 |
| 774599 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774599 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 774676 | xxxxxx | Cash Reserves | 57433.12 | 2039.99 |
| 774676 | xxxxxx | Credit Report Date | 05/16/2022 | 06/06/2022 |
| 774676 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 774676 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774676 | xxxxxx | Months Reserves | 5.00 | 1.14 |
| 774679 | (No Data) | First Rate Change Date | 09/01/2032 | 09/01/2029 |
| 774679 | (No Data) | Months Reserves | 6.00 | 95.69 |
| 774679 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774679 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 774679 | (No Data) | Total Cash Out | (96332.62) | 96234.62 |
| 774681 | (No Data) | Cash Reserves | 65739.69 | 39196.94 |
| 774681 | (No Data) | Months Reserves | 32.00 | 36.02 |
| 774681 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774681 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 774682 | (No Data) | First Rate Change Date | 09/01/2032 | 09/01/2029 |
| 774682 | (No Data) | Months Reserves | 6.00 | 98.34 |
| 774682 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774682 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 774682 | (No Data) | Total Cash Out | (97061.64) | 97061.64 |
| 774685 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774685 | xxxxxx | Months Reserves | 6.00 | 62.20 |
| 774685 | xxxxxx | Total Cash Out | (109273.14) | 109273.14 |
| 774688 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774688 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774688 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 774689 | (No Data) | First Rate Change Date | 09/01/2032 | 09/01/2029 |
| 774689 | (No Data) | Months Reserves | 6.00 | 106.94 |
| 774689 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774689 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 774689 | (No Data) | Total Cash Out | (109721.21) | 109737.21 |
| 774718 | xxxxxx | Cash Reserves | 2552623.96 | 1043355.90 |
| 774718 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774718 | xxxxxx | Months Reserves | 192.00 | 211.11 |
| 774718 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 774722 | xxxxxx | Months Reserves | 28.00 | 46.17 |
| 774722 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 774839 | xxxxxx | Cash Reserves | 137514.98 | 95550.82 |
| 774839 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774839 | xxxxxx | Months Reserves | 49.00 | 52.39 |
| 774842 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774842 | xxxxxx | Months Reserves | 6.00 | 57.40 |
| 774842 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 774842 | xxxxxx | Total Cash Out | (361522.67) | 362181.00 |
| 774843 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774843 | (No Data) | Months Reserves | 6.00 | 38.80 |
| 774843 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774843 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 774861 | xxxxxx | Cash Reserves | 94291.00 | 12354.05 |
| 774861 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774861 | xxxxxx | First Rate Change Date | 09/01/2032 | 09/01/2029 |
| 774861 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 774861 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 774866 | (No Data) | Credit Report Date | 05/22/2022 | 06/15/2022 |
| 774866 | (No Data) | Total Cash Out | (221756.62) | 220465.31 |
| 774869 | (No Data) | Cash Reserves | 738879.56 | 115298.37 |
| 774869 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774869 | (No Data) | First Rate Change Date | 08/01/2032 | 08/01/2029 |
| 774869 | (No Data) | Original Appraisal Date | 06/17/2022 | 06/15/2022 |
| 774869 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774869 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 774872 | xxxxxx | Months Reserves | 6.00 | 19.81 |
| 774872 | xxxxxx | Property Type | SFR | Low Rise Condo (1-4) |
| 774872 | xxxxxx | Total Cash Out | (37588.12) | 37588.12 |
| 774889 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774889 | (No Data) | Months Reserves | 3.00 | 27.26 |
| 774889 | (No Data) | Original Appraisal Date | 01/01/2022 | 06/16/2022 |
| 774956 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774956 | (No Data) | First Rate Change Date | 08/01/2032 | 08/01/2029 |
| 774956 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774956 | (No Data) | Prepay Penalty Term | 60 | 12 |
| 774964 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774964 | xxxxxx | Months Reserves | 19.00 | 46.94 |
| 774964 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 774964 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 774965 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774965 | (No Data) | First Rate Change Date | 08/01/2032 | 08/01/2029 |
| 774965 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774965 | (No Data) | Product Type | 7/1 I/O ARM | 10/6 IO ARM |
| 774965 | (No Data) | Total Cash Out | (3188.57) | 3188.57 |
| 774981 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774981 | (No Data) | First Rate Change Date | 09/01/2032 | 09/01/2029 |
| 774981 | (No Data) | Months Reserves | 6.00 | 110.68 |
| 774981 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 774981 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 774981 | (No Data) | Total Cash Out | (161032.97) | 161032.97 |
| 775107 | (No Data) | Borrower 1 Self Employed Flag | Yes | No |
| 775107 | (No Data) | Cash Reserves | 42212.84 | 185642.39 |
| 775107 | (No Data) | Months Reserves | 17.00 | 84.34 |
| 775111 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775111 | xxxxxx | Months Reserves | 94.00 | 85.15 |
| 775111 | xxxxxx | Total Cash Out | (70524.98) | 70524.98 |
| 775112 | xxxxxx | Cash Reserves | 104233.72 | 41776.01 |
| 775112 | xxxxxx | Months Reserves | 25.00 | 28.11 |
| 775112 | xxxxxx | Original Appraisal Date | 01/01/2022 | xxxxxx |
| 775113 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775113 | (No Data) | First Rate Change Date | 09/01/2032 | 09/01/2029 |
| 775113 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 775113 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775113 | (No Data) | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 775118 | xxxxxx | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 775118 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 775118 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775118 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 775118 | xxxxxx | Months Reserves | 6.00 | 36.43 |
| 775118 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 775118 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775118 | xxxxxx | Total Cash Out | (303319.01) | 303319.01 |
| 775120 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775120 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 775120 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 775120 | (No Data) | Total Cash Out | (36992.81) | 36992.81 |
| 775121 | (No Data) | Total Cash Out | (477844.25) | 477844.25 |
| 775125 | (No Data) | Cash Reserves | 57761.50 | 192234.72 |
| 775125 | (No Data) | Months Reserves | 5.00 | 99.45 |
| 775125 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 775125 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 775126 | xxxxxx | Cash Reserves | 392415.90 | 32202.42 |
| 775126 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775126 | xxxxxx | Months Reserves | 150.00 | 12.86 |
| 775126 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 775182 | xxxxxx | Months Reserves | 15.00 | 40.58 |
| 775183 | xxxxxx | Cash Reserves | 351422.58 | 70253.86 |
| 775183 | xxxxxx | Credit Report Date | 07/15/2022 | 07/12/2022 |
| 775187 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775187 | (No Data) | First Rate Change Date | 09/01/2032 | 09/01/2029 |
| 775187 | (No Data) | Months Reserves | 24.00 | 25.11 |
| 775187 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 775187 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775187 | (No Data) | Total Cash Out | (85359.20) | 85359.20 |
| 775188 | (No Data) | Months Reserves | 14.00 | 25.22 |
| 775188 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 775202 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775202 | xxxxxx | Months Reserves | 27.00 | 23.06 |
| 775202 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 775202 | xxxxxx | Product Type | 30 yr Fixed - 10 yr IO | 10/6 ARM |
| 775216 | xxxxxx | Cash Reserves | 202654.00 | 80082.39 |
| 775216 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775216 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 775216 | xxxxxx | Months Reserves | 29.00 | 26.62 |
| 775216 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 775216 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775228 | (No Data) | Cash Reserves | 1889974.00 | 4950676.50 |
| 775228 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775228 | (No Data) | First Rate Change Date | 09/01/2032 | 09/01/2029 |
| 775228 | (No Data) | Months Reserves | 12.00 | 159.38 |
| 775228 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 775228 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775228 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 775244 | (No Data) | Cash Reserves | 304229.46 | 20606.26 |
| 775244 | (No Data) | Credit Report Date | 06/21/2022 | 05/31/2022 |
| 775244 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775244 | (No Data) | First Rate Change Date | 10/01/2032 | 10/01/2029 |
| 775244 | (No Data) | Months Reserves | 23.00 | 4.76 |
| 775244 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 775244 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775317 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775317 | (No Data) | First Rate Change Date | 09/01/2032 | 09/01/2029 |
| 775317 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 775317 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775317 | (No Data) | Total Cash Out | (8091.32) | 8091.32 |
| 775358 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775358 | xxxxxx | Months Reserves | 93.00 | 88.74 |
| 775360 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775360 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 775360 | xxxxxx | Months Reserves | 6.00 | 38.19 |
| 775360 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775360 | xxxxxx | Total Cash Out | (105515.12) | 105515.12 |
| 775504 | xxxxxx | Cash Reserves | 87201.00 | 12650.43 |
| 775504 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775504 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 775504 | xxxxxx | Months Reserves | 1.00 | 4.63 |
| 775504 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 775504 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775604 | (No Data) | Cash Reserves | 91315.78 | 10337.58 |
| 775604 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775604 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 775604 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 775606 | (No Data) | Months Reserves | 219.00 | 68.97 |
| 775606 | (No Data) | Origination Date | xxxxxx | xxxxxx |
| 775606 | (No Data) | Total Cash Out | (245952.00) | 245952.00 |
| 775694 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775694 | (No Data) | Months Reserves | 6.00 | 9.68 |
| 775694 | (No Data) | Total Cash Out | (77478.22) | 77476.22 |
| 775695 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775695 | (No Data) | Months Reserves | 6.00 | 13.51 |
| 775695 | (No Data) | Total Cash Out | (113854.14) | 113854.14 |
| 775793 | xxxxxx | Cash Reserves | 138707.57 | 71404.38 |
| 775793 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 775793 | xxxxxx | Months Reserves | 39.00 | 19.85 |
| 775793 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 775793 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775872 | (No Data) | Borrower 1 First Time Home Buyer | No | Yes |
| 775872 | (No Data) | Cash Reserves | 15888.60 | 903.07 |
| 775872 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775875 | xxxxxx | Cash Reserves | 274604.94 | 171639.06 |
| 775875 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775875 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 775875 | xxxxxx | Months Reserves | 57.00 | 34.88 |
| 775875 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 775875 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 775878 | xxxxxx | Cash Reserves | 188169.69 | 488186.10 |
| 775878 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775878 | xxxxxx | Months Reserves | 16.00 | 136.77 |
| 775878 | xxxxxx | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 776121 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776121 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 776121 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 776121 | (No Data) | Total Cash Out | (8419.32) | 8419.32 |
| 776125 | xxxxxx | Cash Reserves | 149795.49 | 32514.49 |
| 776125 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776126 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776126 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 776126 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 776126 | (No Data) | Total Cash Out | (20118.14) | 20118.14 |
| 776129 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776129 | (No Data) | Months Reserves | 10.00 | 11.88 |
| 776129 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 776129 | (No Data) | Total Cash Out | (22475.90) | 22475.90 |
| 776130 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776130 | (No Data) | Original Appraisal Date | 08/10/2022 | 07/30/2022 |
| 776130 | (No Data) | Total Cash Out | (263257.70) | 263191.80 |
| 776245 | xxxxxx | Cash Reserves | 717775.98 | 362518.10 |
| 776245 | xxxxxx | Credit Report Date | 06/25/2022 | 07/29/2022 |
| 776245 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 776245 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776245 | xxxxxx | Months Reserves | 35.00 | 39.63 |
| 776245 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776245 | xxxxxx | Product Type | 10/1 I/O ARM | 7/6 IO ARM |
| 776250 | xxxxxx | Cash Reserves | 76300.05 | 17140.06 |
| 776250 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776250 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 776250 | xxxxxx | Months Reserves | 8.00 | 10.54 |
| 776250 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 776250 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776250 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 776251 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776251 | xxxxxx | Months Reserves | 6.00 | 130.99 |
| 776251 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776251 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 776251 | xxxxxx | Total Cash Out | (274453.70) | 274453.70 |
| 776252 | xxxxxx | Cash Reserves | 168313.26 | 19386.58 |
| 776252 | xxxxxx | Months Reserves | 5.00 | 8.66 |
| 776292 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776292 | xxxxxx | Months Reserves | 18.00 | 51.88 |
| 776292 | xxxxxx | Pay Change Frequency | 6 | 12 Months |
| 776292 | xxxxxx | Payment Change Frequency (Months) | 6 | 12 Months |
| 776292 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776292 | xxxxxx | Rate Change Frequency(Months) | 6 | 12 Months |
| 776350 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776350 | (No Data) | Months Reserves | 6.00 | 91.37 |
| 776415 | (No Data) | Cash Reserves | 126852.98 | 38275.02 |
| 776415 | (No Data) | Months Reserves | 14.00 | 18.31 |
| 776417 | xxxxxx | Months Reserves | 6.00 | 84.66 |
| 776417 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 776417 | xxxxxx | Representative Credit Score for Grading | 766 | 768 |
| 776417 | xxxxxx | Total Cash Out | (163489.86) | 163138.86 |
| 776523 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 776523 | xxxxxx | Months Reserves | 6.00 | 117.85 |
| 776524 | xxxxxx | Cash Reserves | 367550.00 | 490750.24 |
| 776524 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776524 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 776524 | xxxxxx | Months Reserves | 62.00 | 139.43 |
| 776524 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776524 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 776527 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776527 | xxxxxx | Months Reserves | 6.00 | 25.45 |
| 776527 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776527 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 776527 | xxxxxx | Total Cash Out | (42024.89) | 42024.89 |
| 776572 | (No Data) | Cash Reserves | 39864.11 | 73541.02 |
| 776572 | (No Data) | Months Reserves | 6.00 | 48.29 |
| 776573 | xxxxxx | Cash Reserves | 738363.66 | 1785717.46 |
| 776573 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776573 | xxxxxx | Months Reserves | 44.00 | 212.87 |
| 776573 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776573 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 776573 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 776574 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776574 | (No Data) | Months Reserves | 6.00 | 49.25 |
| 776574 | (No Data) | Total Cash Out | (323498.96) | 323498.96 |
| 776579 | xxxxxx | Cash Reserves | 224512.66 | 548443.60 |
| 776579 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776579 | xxxxxx | Months Reserves | 49.00 | 114.09 |
| 776579 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776579 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 776629 | (No Data) | Credit Report Date | 07/19/2022 | 07/20/2022 |
| 776629 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776630 | xxxxxx | Cash Reserves | 248806.00 | 82650.52 |
| 776630 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776630 | xxxxxx | Months Reserves | 4.00 | 20.05 |
| 776630 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776630 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 776631 | (No Data) | Cash Reserves | 268584.16 | 66506.95 |
| 776631 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776631 | (No Data) | Months Reserves | 30.00 | 13.69 |
| 776632 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776632 | xxxxxx | Months Reserves | 17.00 | 101.09 |
| 776816 | xxxxxx | Total Cash Out | (1611.63) | 2005.43 |
| 776820 | xxxxxx | Cash Reserves | 105062.00 | 38588.22 |
| 776820 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776820 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 776820 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 776820 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776820 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 776861 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776861 | (No Data) | Months Reserves | 6.00 | 87.78 |
| 776861 | (No Data) | Origination Date | xxxxxx | xxxxxx |
| 776861 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 776861 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 776861 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 776861 | (No Data) | Total Cash Out | (323503.00) | 323503.00 |
| 776932 | xxxxxx | Cash Reserves | 413853.74 | 75387.68 |
| 776932 | xxxxxx | Months Reserves | 128.00 | 29.68 |
| 776935 | (No Data) | Cash Reserves | 571317.06 | 360985.82 |
| 776935 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776935 | (No Data) | First Rate Change Date | 10/01/2032 | 10/01/2029 |
| 776935 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 776935 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 776938 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776938 | (No Data) | Months Reserves | 5.00 | 57.64 |
| 776938 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 776938 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 776939 | xxxxxx | Cash Reserves | 10000.00 | 79141.86 |
| 776939 | xxxxxx | Credit Report Date | 05/03/2022 | 08/10/2022 |
| 776939 | xxxxxx | Months Reserves | '-1542.00 | 28.46 |
| 776939 | xxxxxx | Total Cash Out | (76748.86) | 79141.86 |
| 776945 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776945 | xxxxxx | Months Reserves | 166.00 | 226.37 |
| 776947 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776947 | (No Data) | Months Reserves | 117.00 | 43.46 |
| 776947 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 776947 | (No Data) | Product Type | 10/1 I/O ARM | 7/6 IO ARM |
| 776947 | (No Data) | Total Cash Out | (138553.59) | 138553.59 |
| 776948 | xxxxxx | Borrower 1 Self Employed Flag | Yes | No |
| 776948 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776948 | xxxxxx | Months Reserves | 119.00 | 125.16 |
| 776948 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 776948 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 776948 | xxxxxx | Total Cash Out | (307971.66) | 307971.66 |
| 776952 | xxxxxx | Credit Report Date | 06/07/2022 | 06/06/2022 |
| 776952 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776954 | xxxxxx | Cash Reserves | 173413.17 | 222577.29 |
| 776954 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776954 | xxxxxx | Months Reserves | 38.00 | 50.59 |
| 776956 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776956 | xxxxxx | Months Reserves | '-11725.00 | 27.14 |
| 777032 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777032 | xxxxxx | Months Reserves | '-1.00 | 9.38 |
| 777034 | (No Data) | Months Reserves | 6.00 | 11.47 |
| 777034 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 777034 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 777034 | (No Data) | Total Cash Out | (31633.03) | 31633.03 |
| 777035 | (No Data) | Cash Reserves | 99235.00 | 4492.25 |
| 777035 | (No Data) | Months Reserves | 3.00 | 1.74 |
| 777035 | (No Data) | Original Appraisal Date | 08/12/2022 | 08/03/2022 |
| 777038 | xxxxxx | Cash Reserves | 116673.00 | 9064.11 |
| 777038 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777038 | xxxxxx | Months Reserves | 46.00 | 4.46 |
| 777038 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 777040 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777040 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 777040 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 777040 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 777040 | xxxxxx | Total Cash Out | (493554.79) | 493554.79 |
| 777041 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777183 | xxxxxx | Cash Reserves | 352425.92 | 89119.34 |
| 777183 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777183 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 777183 | xxxxxx | Months Reserves | 73.00 | 18.46 |
| 777183 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 777183 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 777186 | (No Data) | Cash Reserves | 10878.63 | 253732.74 |
| 777186 | (No Data) | Credit Report Date | 06/22/2022 | 09/21/2022 |
| 777186 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777186 | (No Data) | Total Cash Out | (252683.41) | 252683.41 |
| 777187 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777187 | (No Data) | Months Reserves | 77.00 | 74.95 |
| 777187 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 777187 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 777188 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 777188 | xxxxxx | Months Reserves | 6.00 | 98.87 |
| 777188 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 777188 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 777188 | xxxxxx | Total Cash Out | (274429.36) | 274429.36 |
| 777196 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777196 | (No Data) | Months Reserves | 14.00 | 17.37 |
| 777196 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 777196 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 777196 | (No Data) | Total Cash Out | (1076.90) | 1076.90 |
| 777201 | (No Data) | Cash Reserves | 10878.63 | 116464.45 |
| 777201 | (No Data) | Credit Report Date | 06/22/2022 | 09/21/2022 |
| 777201 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777201 | (No Data) | Months Reserves | '-35.00 | 32.14 |
| 777201 | (No Data) | Original Appraisal Date | 07/27/2022 | 07/22/2022 |
| 777233 | (No Data) | Cash Reserves | 43904.02 | 93267.13 |
| 777233 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777233 | (No Data) | Months Reserves | 8.00 | 19.74 |
| 777233 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 777233 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 777397 | (No Data) | Credit Report Date | 08/18/2022 | 08/17/2022 |
| 777397 | (No Data) | Months Reserves | 6.00 | 15.02 |
| 777397 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 777397 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 777397 | (No Data) | Total Cash Out | (45462.03) | 44072.98 |
| 777400 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777400 | (No Data) | Months Reserves | 6.00 | 0.12 |
| 777400 | (No Data) | Original Appraisal Date | 08/08/2022 | 08/06/2022 |
| 777400 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 777400 | (No Data) | Original LTV | 75 | 73 |
| 777400 | (No Data) | Total Cash Out | (586.95) | 586.95 |
| 777402 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777403 | xxxxxx | Cash Reserves | 359359.73 | 9529.16 |
| 777403 | xxxxxx | Months Reserves | 1.00 | 3.98 |
| 777403 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 777403 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 777405 | xxxxxx | Cash Reserves | 42900.00 | 98573.97 |
| 777405 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 777405 | xxxxxx | Months Reserves | 6.00 | 35.71 |
| 777405 | xxxxxx | Total Cash Out | (98123.97) | 98573.97 |
| 777407 | xxxxxx | Cash Reserves | 123838.79 | 25053.35 |
| 777407 | xxxxxx | Credit Report Date | 07/25/2022 | 09/02/2022 |
| 777407 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 777407 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777407 | xxxxxx | First Rate Change Date | 10/01/2032 | 10/01/2029 |
| 777407 | xxxxxx | Months Reserves | 12.00 | 8.99 |
| 777407 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 777407 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 777410 | xxxxxx | Cash Reserves | 249015.91 | 117539.55 |
| 777410 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777410 | xxxxxx | Months Reserves | 32.00 | 29.29 |
| 777497 | (No Data) | Cash Reserves | 12601.00 | 219441.96 |
| 777497 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777497 | (No Data) | Months Reserves | 6.00 | 66.93 |
| 777497 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 777497 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 777497 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 777497 | (No Data) | Total Cash Out | (14523.58) | 14523.58 |
| 777498 | xxxxxx | Cash Reserves | 355935.70 | 190111.62 |
| 777498 | xxxxxx | Months Reserves | 68.00 | 70.39 |
| 777500 | xxxxxx | Cash Reserves | 295640.70 | 115634.81 |
| 777500 | xxxxxx | Credit Report Date | 07/18/2022 | 08/18/2022 |
| 777500 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777505 | xxxxxx | Cash Reserves | 900000.00 | 339817.34 |
| 777505 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 777505 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777505 | xxxxxx | Months Reserves | 6.00 | 85.99 |
| 777505 | xxxxxx | Total Cash Out | (339689.34) | 339817.34 |
| 777506 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777506 | (No Data) | Months Reserves | 171.00 | 216.84 |
| 777506 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 777506 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 777507 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777508 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777508 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 777508 | (No Data) | Total Cash Out | (146169.19) | 146169.19 |
| 777509 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777511 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777511 | (No Data) | First Rate Change Date | 09/01/2032 | 09/01/2029 |
| 777511 | (No Data) | Original Appraisal Date | 08/01/2022 | 07/27/2022 |
| 777511 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 777511 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 777511 | (No Data) | Total Cash Out | (13112.82) | 13112.82 |
| 777569 | xxxxxx | Cash Reserves | 424229.08 | 190744.06 |
| 777569 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777569 | xxxxxx | Months Reserves | 46.00 | 43.99 |
| 777569 | xxxxxx | Original P&I | 3521.88 | 3521.87 |
| 777569 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 777573 | xxxxxx | Cash Reserves | 250948.00 | 9439.37 |
| 777573 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777573 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 777573 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 777573 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 777574 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777574 | (No Data) | Months Reserves | 13.00 | 69.72 |
| 777577 | (No Data) | Cash Reserves | 225529.32 | 292157.39 |
| 777577 | (No Data) | Months Reserves | 13.00 | 74.70 |
| 777578 | xxxxxx | Cash Reserves | 220822.12 | 107671.89 |
| 777578 | xxxxxx | Credit Report Date | 07/01/2022 | 09/08/2022 |
| 777578 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777634 | (No Data) | Cash Reserves | 192342.54 | 126218.10 |
| 777634 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777634 | (No Data) | Months Reserves | 18.00 | 32.79 |
| 777634 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 777636 | xxxxxx | Cash Reserves | 74662.92 | 56.46 |
| 777636 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777685 | xxxxxx | Cash Reserves | 70170.78 | 5137.04 |
| 777689 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777689 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 777689 | xxxxxx | Months Reserves | 6.00 | 131.42 |
| 777689 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 777689 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 ARM |
| 777689 | xxxxxx | Total Cash Out | (782585.57) | 782585.57 |
| 777690 | xxxxxx | Cash Reserves | 283916.45 | 94470.57 |
| 777744 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777744 | xxxxxx | Months Reserves | 6.00 | 75.73 |
| 777744 | xxxxxx | Product Type | 30 Yr Fixed | 40 Yr Fixed Interest Only |
| 777749 | (No Data) | Months Reserves | '-108.00 | 6.42 |
| 777749 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 777749 | (No Data) | Total Cash Out | 350191.75 | 11745.99 |
| 777756 | xxxxxx | Cash Reserves | 107168.00 | 68199.33 |
| 777756 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 777756 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 777756 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 777756 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 777757 | (No Data) | Cash Reserves | 20000.00 | 30297.58 |
| 777757 | (No Data) | Credit Report Date | 08/16/2022 | 08/23/2022 |
| 777757 | (No Data) | Months Reserves | '-5.00 | 6.42 |
| 777757 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 777757 | (No Data) | Total Cash Out | (20268.18) | 30297.58 |
| 777758 | xxxxxx | Cash Reserves | 280244.60 | 6589.35 |
| 777758 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777758 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 777758 | xxxxxx | Months Reserves | 15.00 | 1.96 |
| 777758 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 777758 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 777879 | xxxxxx | Cash Reserves | 99590.95 | 125459.31 |
| 777882 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777882 | xxxxxx | Months Reserves | 6.00 | 29.05 |
| 777882 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 777882 | xxxxxx | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 777882 | xxxxxx | Total Cash Out | (77368.07) | 77368.07 |
| 777884 | (No Data) | Cash Reserves | 101725.29 | 16923.43 |
| 777884 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777884 | (No Data) | First Rate Change Date | 10/01/2032 | 10/01/2029 |
| 777884 | (No Data) | Months Reserves | 7.00 | 5.81 |
| 777884 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 777884 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 777887 | xxxxxx | Cash Reserves | 84833.00 | 29713.04 |
| 777887 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777887 | xxxxxx | Months Reserves | 9.00 | 12.38 |
| 777888 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777888 | (No Data) | Months Reserves | 6.00 | 89.53 |
| 777888 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 777888 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 777888 | (No Data) | Total Cash Out | (105515.56) | 105515.56 |
| 777890 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777890 | (No Data) | Months Reserves | 6.00 | 77.83 |
| 777890 | (No Data) | Total Cash Out | (185499.71) | 185499.71 |
| 778038 | (No Data) | Cash Reserves | 25214.63 | 47764.79 |
| 778038 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778038 | (No Data) | Months Reserves | 2.00 | 25.18 |
| 778038 | (No Data) | Original Appraisal Date | 08/31/2022 | 08/24/2022 |
| 778038 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 778038 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 778041 | xxxxxx | Credit Report Date | 08/12/2022 | 09/01/2022 |
| 778041 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778041 | xxxxxx | Total Cash Out | (20007.68) | 20007.68 |
| 778042 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778042 | xxxxxx | Months Reserves | 5.00 | 54.41 |
| 778043 | xxxxxx | Cash Reserves | 198371.51 | 118793.51 |
| 778043 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778043 | xxxxxx | Months Reserves | 6.00 | 29.30 |
| 778043 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778044 | (No Data) | Cash Reserves | 246.75 | 73421.39 |
| 778044 | (No Data) | Disbursement Date | xxxxxx | xxxxxx |
| 778044 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778045 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778045 | (No Data) | Months Reserves | 6.00 | 24.70 |
| 778045 | (No Data) | Total Cash Out | (34865.53) | 34050.53 |
| 778084 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778084 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 778084 | xxxxxx | Margin (ARM Loan) | 4.500 | 4.250 |
| 778084 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 778085 | xxxxxx | Cash Reserves | 423036.74 | 78474.16 |
| 778085 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778181 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778181 | xxxxxx | Months Reserves | 6.00 | 88.33 |
| 778181 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778181 | xxxxxx | Total Cash Out | (235509.66) | 235180.50 |
| 778182 | (No Data) | Months Reserves | 6.00 | 31.39 |
| 778182 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778182 | (No Data) | Total Cash Out | (168643.22) | 168943.80 |
| 778183 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778183 | xxxxxx | Months Reserves | 6.00 | 98.02 |
| 778183 | xxxxxx | Total Cash Out | (137383.56) | 137383.56 |
| 778184 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778184 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 778184 | xxxxxx | Total Cash Out | (327090.97) | 327090.97 |
| 778185 | (No Data) | Cash Reserves | 243962.26 | 91691.98 |
| 778185 | (No Data) | Months Reserves | 6.00 | 19.40 |
| 778187 | xxxxxx | Cash Reserves | 273013.84 | 168381.95 |
| 778187 | xxxxxx | Months Reserves | 75.00 | 76.31 |
| 778187 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778305 | (No Data) | Months Reserves | 6.00 | 104.30 |
| 778305 | (No Data) | Total Cash Out | (165237.93) | 165237.93 |
| 778339 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778339 | (No Data) | Months Reserves | 6.00 | 24.74 |
| 778339 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778339 | (No Data) | Total Cash Out | (60416.44) | 56916.33 |
| 778352 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778352 | (No Data) | Months Reserves | 73.00 | 22.42 |
| 778352 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 778352 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 778352 | (No Data) | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 778352 | (No Data) | Total Cash Out | (33311.69) | 33311.69 |
| 778354 | xxxxxx | Cash Reserves | 256669.00 | 65060.10 |
| 778354 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778354 | xxxxxx | Months Reserves | 11.00 | 17.43 |
| 778354 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778368 | (No Data) | Borrower 1 Self Employed Flag | Yes | No |
| 778368 | (No Data) | Cash Reserves | 290653.99 | 561514.26 |
| 778368 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778368 | (No Data) | First Rate Change Date | 10/01/2032 | 10/01/2029 |
| 778368 | (No Data) | Months Reserves | 55.00 | 191.68 |
| 778368 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 778368 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 778369 | xxxxxx | Cash Reserves | 129374.44 | 80779.55 |
| 778369 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778369 | xxxxxx | Months Reserves | 3.00 | 17.83 |
| 778369 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778370 | xxxxxx | Cash Reserves | 282884.00 | 151477.71 |
| 778370 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778370 | xxxxxx | First Rate Change Date | 10/01/2032 | 10/01/2029 |
| 778370 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 778370 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 778373 | xxxxxx | Cash Reserves | 249444.41 | 74676.42 |
| 778373 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778373 | xxxxxx | Months Reserves | 39.00 | 11.64 |
| 778373 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 778373 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 778373 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 778423 | xxxxxx | Borrower 1 First Time Home Buyer | No | Yes |
| 778423 | xxxxxx | Cash Reserves | 265492.00 | 69066.81 |
| 778423 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778431 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 778431 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778431 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 778431 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778434 | xxxxxx | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 778434 | xxxxxx | Cash Reserves | 1774343.60 | 1003609.08 |
| 778434 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778434 | xxxxxx | Months Reserves | 85.00 | 73.21 |
| 778434 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 778434 | xxxxxx | Property Type | Multi-Family | 5+ Units |
| 778437 | xxxxxx | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 778437 | xxxxxx | Cash Reserves | 1643323.60 | 800792.06 |
| 778437 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 778437 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778437 | xxxxxx | Months Reserves | 191.00 | 103.89 |
| 778437 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778439 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778439 | xxxxxx | Months Reserves | 6.00 | 25.80 |
| 778439 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 778439 | xxxxxx | Total Cash Out | (33383.86) | 33383.86 |
| 778477 | xxxxxx | Cash Reserves | 1228750.00 | 841134.90 |
| 778477 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778479 | (No Data) | Cash Reserves | 38769.68 | 49881.51 |
| 778479 | (No Data) | Months Reserves | 6.00 | 15.87 |
| 778479 | (No Data) | Number of Units | 2 | 1 |
| 778479 | (No Data) | Property Type | 2 Family | SFR |
| 778479 | (No Data) | Total Cash Out | (10727.83) | 11111.83 |
| 778499 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 778499 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778499 | xxxxxx | Months Reserves | 6.00 | 88.54 |
| 778499 | xxxxxx | Total Cash Out | (325761.09) | 325761.09 |
| 778501 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778501 | (No Data) | Months Reserves | 6.00 | 7.15 |
| 778501 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778501 | (No Data) | Total Cash Out | (32528.78) | 32528.78 |
| 778533 | xxxxxx | Cash Reserves | 413251.71 | 43808.11 |
| 778533 | xxxxxx | Months Reserves | 27.00 | 9.49 |
| 778533 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 778533 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 778548 | xxxxxx | Borrower 1 First Time Home Buyer | No | Yes |
| 778548 | xxxxxx | Cash Reserves | 182640.54 | 120813.37 |
| 778548 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778552 | xxxxxx | Borrower 1 First Time Home Buyer | No | Yes |
| 778552 | xxxxxx | Cash Reserves | 182640.54 | 118761.38 |
| 778552 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 778571 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 778571 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778571 | xxxxxx | Months Reserves | '-57.00 | 93.59 |
| 778571 | xxxxxx | Total Cash Out | (116199.23) | 106875.54 |
| 778609 | xxxxxx | Cash Reserves | 220334.35 | 2946.66 |
| 778609 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778609 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 778661 | xxxxxx | Credit Report Date | 06/30/2022 | 10/05/2022 |
| 778672 | (No Data) | Cash Reserves | 208714.43 | 71613.30 |
| 778680 | (No Data) | Cash Reserves | 191496.85 | 29180.96 |
| 778680 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778680 | (No Data) | Months Reserves | 4.00 | 6.79 |
| 778681 | (No Data) | Cash Reserves | 93691.47 | 69813.47 |
| 778681 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778681 | (No Data) | Months Reserves | 13.00 | 32.19 |
| 778684 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778684 | (No Data) | Original Appraisal Date | 08/12/2022 | 08/10/2022 |
| 778684 | (No Data) | Total Cash Out | (282775.48) | 282775.48 |
| 778706 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778706 | (No Data) | Months Reserves | 6.00 | 19.82 |
| 778706 | (No Data) | Original Appraisal Date | 09/08/2022 | 09/07/2022 |
| 778706 | (No Data) | Total Cash Out | (27564.82) | 27564.82 |
| 778708 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778708 | xxxxxx | Months Reserves | 65.00 | 69.39 |
| 778708 | xxxxxx | Total Cash Out | (269235.34) | 269235.64 |
| 778891 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778891 | (No Data) | Months Reserves | 6.00 | 9.92 |
| 778891 | (No Data) | Total Cash Out | (13698.76) | 13698.76 |
| 778899 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778899 | xxxxxx | Months Reserves | 14.00 | 65.48 |
| 778899 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778904 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778904 | (No Data) | Months Reserves | 94.00 | 95.61 |
| 778904 | (No Data) | Total Cash Out | (323560.06) | 323560.06 |
| 778932 | xxxxxx | Cash Reserves | 104448.16 | 30899.78 |
| 778932 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778932 | xxxxxx | Months Reserves | 4.00 | 9.17 |
| 778933 | xxxxxx | Cash Reserves | 805363.66 | 1726253.41 |
| 778933 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778933 | xxxxxx | Months Reserves | 101.00 | 271.78 |
| 778933 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 778933 | xxxxxx | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 778933 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 778947 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778947 | xxxxxx | Months Reserves | 6.00 | 82.70 |
| 778947 | xxxxxx | Total Cash Out | (96617.15) | 95852.15 |
| 778960 | xxxxxx | Borrower 1 First Name | xxxxxx | xxxxxx |
| 778960 | xxxxxx | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 778960 | xxxxxx | Borrower 2 First Name | xxxxxx | xxxxxx |
| 778960 | xxxxxx | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 778960 | xxxxxx | Cash Reserves | 84959.92 | 16456.93 |
| 778960 | xxxxxx | Credit Report Date | 09/08/2022 | 10/03/2022 |
| 778960 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778960 | xxxxxx | Months Reserves | 2.00 | 7.51 |
| 779021 | (No Data) | Cash Reserves | 191986.74 | 110276.78 |
| 779023 | (No Data) | Credit Report Date | 06/02/2022 | 09/07/2022 |
| 779023 | (No Data) | Months Reserves | 50.00 | 72.12 |
| 779039 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 779039 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779039 | xxxxxx | Months Reserves | 106.00 | 75.93 |
| 779039 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 779114 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779114 | (No Data) | Months Reserves | 6.00 | 9.18 |
| 779114 | (No Data) | Total Cash Out | (15617.93) | 15617.93 |
| 779115 | (No Data) | Cash Reserves | 1341013.12 | 911406.66 |
| 779115 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779115 | (No Data) | Months Reserves | 327.00 | 262.16 |
| 779115 | (No Data) | Representative Credit Score for Grading | 785 | 773 |
| 779141 | xxxxxx | Cash Reserves | 44355.87 | 27670.48 |
| 779141 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779141 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 779141 | xxxxxx | Months Reserves | 13.00 | 25.53 |
| 779141 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 779141 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 779144 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779144 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 779144 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 779155 | (No Data) | Credit Report Date | 07/21/2022 | 07/28/2022 |
| 779155 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779155 | (No Data) | Months Reserves | '-51.00 | 69.48 |
| 779155 | (No Data) | Total Cash Out | (132059.28) | 132059.28 |
| 779182 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779182 | (No Data) | Months Reserves | 6.00 | 17.08 |
| 779182 | (No Data) | Total Cash Out | (39787.54) | 39787.54 |
| 779191 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779191 | (No Data) | Months Reserves | 9.00 | 5.76 |
| 779191 | (No Data) | Original Appraisal Date | 05/25/2022 | 10/11/2022 |
| 779191 | (No Data) | Total Cash Out | (5941.18) | 5941.18 |
| 779193 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779193 | (No Data) | Months Reserves | 13.00 | 7.95 |
| 779193 | (No Data) | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 779193 | (No Data) | Total Cash Out | (41092.75) | 41092.75 |
| 779240 | xxxxxx | Borrower 1 First Name | xxxxxx | xxxxxx |
| 779240 | xxxxxx | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 779240 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 779240 | xxxxxx | Months Reserves | 123.00 | 121.53 |
| 779449 | (No Data) | Cash Reserves | 131217.35 | 76548.47 |
| 779449 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779451 | (No Data) | Credit Report Date | 06/20/2022 | 09/26/2022 |
| 779451 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779451 | (No Data) | First Rate Change Date | 11/01/2032 | 11/01/2029 |
| 779451 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 779451 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 779451 | (No Data) | Total Cash Out | (527015.51) | 527015.51 |
| 779452 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779452 | xxxxxx | Months Reserves | 105.00 | 96.66 |
| 779452 | xxxxxx | Total Cash Out | (830345.24) | 830345.24 |
| 779453 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779454 | (No Data) | Cash Reserves | 51711.07 | 3371.12 |
| 779454 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779454 | (No Data) | Original Appraisal Date | 10/01/2022 | 09/23/2022 |
| 779454 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 779454 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 779455 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779455 | (No Data) | Months Reserves | 90.00 | 51.00 |
| 779455 | (No Data) | Total Cash Out | (130782.17) | 130782.17 |
| 779460 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779460 | (No Data) | Months Reserves | 41.00 | 42.92 |
| 779460 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 779460 | (No Data) | Total Cash Out | (958141.12) | 958141.12 |
| 779461 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779461 | (No Data) | Months Reserves | 6.00 | 9.02 |
| 779461 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 779461 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 779461 | (No Data) | Total Cash Out | 580040.02 | 29313.95 |
| 779479 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779479 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 779479 | xxxxxx | Product Type | 30 yr Fixed - 10 yr IO | 10/6 ARM |
| 779479 | xxxxxx | Total Cash Out | (67779.59) | 67779.59 |
| 779493 | (No Data) | Cash Reserves | 141812.14 | 85339.56 |
| 779493 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779520 | xxxxxx | Months Reserves | 2.00 | 33.16 |
| 779520 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 779523 | xxxxxx | Borrower 1 First Name | xxxxxx | xxxxxx |
| 779523 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 779523 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779523 | xxxxxx | Months Reserves | 6.00 | 19.42 |
| 779523 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 779523 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 779523 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 779523 | xxxxxx | Total Cash Out | (96983.13) | 96983.13 |
| 779547 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779547 | xxxxxx | Months Reserves | 6.00 | 81.95 |
| 779547 | xxxxxx | Total Cash Out | (88463.52) | 88463.52 |
| 779580 | xxxxxx | Borrower 1 Self Employed Flag | Yes | No |
| 779580 | xxxxxx | Cash Reserves | 38288.60 | 17395.63 |
| 779580 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779671 | (No Data) | Cash Reserves | 166487.17 | 3107.82 |
| 779671 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779673 | (No Data) | Cash Reserves | 173730.07 | 58494.38 |
| 779673 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779673 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 779688 | (No Data) | Cash Reserves | 56040.00 | 18632.61 |
| 779688 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779688 | (No Data) | Months Reserves | '-3.00 | 7.61 |
| 779748 | (No Data) | Cash Reserves | 16526.89 | 69337.88 |
| 779748 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779748 | (No Data) | Months Reserves | 6.00 | 13.92 |
| 779748 | (No Data) | Total Cash Out | (31810.99) | 31810.99 |
| 779781 | xxxxxx | Cash Reserves | 272549.44 | 114224.49 |
| 779781 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779781 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 779784 | (No Data) | Cash Reserves | 577876.09 | 312886.82 |
| 779784 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779784 | (No Data) | Months Reserves | 57.00 | 50.91 |
| 779788 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779788 | xxxxxx | Months Reserves | 6.00 | 40.07 |
| 779788 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 779788 | xxxxxx | Total Cash Out | (431598.60) | 431598.60 |
| 779803 | (No Data) | Cash Reserves | 37494.17 | 145357.95 |
| 779803 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779803 | (No Data) | Months Reserves | 5.00 | 29.17 |
| 779821 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779821 | xxxxxx | Months Reserves | 6.00 | 116.66 |
| 779821 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 779821 | xxxxxx | Total Cash Out | (483906.14) | 483906.14 |
| 779877 | xxxxxx | Cash Reserves | 174965.43 | 19380.70 |
| 779877 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779877 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 779880 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779880 | xxxxxx | Months Reserves | 34.00 | 26.01 |
| 779880 | xxxxxx | Prepay Penalty Term | 60 | 36 |
| 779880 | xxxxxx | Total Cash Out | (119136.92) | 118428.38 |
| 780092 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780092 | xxxxxx | Total Cash Out | (809.90) | 809.90 |
| 780096 | xxxxxx | Credit Report Date | 10/19/2022 | 10/11/2022 |
| 780096 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780111 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780111 | (No Data) | Total Cash Out | (728579.92) | 728579.92 |
| 780140 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780140 | xxxxxx | Total Cash Out | (90066.33) | 90066.33 |
| 780187 | xxxxxx | Cash Reserves | 73686.72 | 34244.96 |
| 780187 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780187 | xxxxxx | Months Reserves | 6.00 | 25.19 |
| 780187 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 780206 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780206 | xxxxxx | Months Reserves | 6.00 | 24.32 |
| 780206 | xxxxxx | Total Cash Out | (82800.88) | 82800.88 |
| 780209 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780451 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780451 | (No Data) | Months Reserves | 6.00 | 83.27 |
| 780451 | (No Data) | Total Cash Out | (103353.74) | 103353.74 |
| 780477 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780477 | (No Data) | Months Reserves | 6.00 | 33.33 |
| 780477 | (No Data) | Total Cash Out | (69001.14) | 69001.14 |
| 780774 | xxxxxx | Cash Reserves | 54579.59 | 3015.43 |
| 780774 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780774 | xxxxxx | Months Reserves | 6.00 | 2.55 |
| 780774 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 780777 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780777 | (No Data) | Months Reserves | 6.00 | 33.75 |
| 780777 | (No Data) | Total Cash Out | (44883.82) | 44873.82 |
| 780781 | xxxxxx | Credit Report Date | 08/20/2022 | 08/25/2022 |
| 780781 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780781 | xxxxxx | Months Reserves | 6.00 | 36.40 |
| 780781 | xxxxxx | Total Cash Out | (260987.27) | 250487.27 |
| 780801 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780935 | xxxxxx | Cash Reserves | 86165.25 | 4254.26 |
| 780935 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780935 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 780950 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780950 | xxxxxx | Months Reserves | 6.00 | 42.78 |
| 780950 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 780950 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 780950 | xxxxxx | Total Cash Out | (399016.35) | 399016.35 |
| 780952 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780952 | xxxxxx | Months Reserves | 6.00 | 81.42 |
| 780952 | xxxxxx | Total Cash Out | (93307.96) | 93307.96 |
| 780962 | (No Data) | Cash Reserves | 199847.06 | 55862.44 |
| 780962 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 780962 | (No Data) | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 781125 | xxxxxx | Cash Reserves | 229677.67 | 80550.38 |
| 781125 | xxxxxx | Credit Report Date | 09/16/2022 | 11/17/2022 |
| 781125 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781125 | xxxxxx | Months Reserves | 22.00 | 23.31 |
| 781186 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781186 | (No Data) | Months Reserves | 1.00 | 78.58 |
| 781186 | (No Data) | Total Cash Out | (117226.06) | 117226.06 |
| 781188 | xxxxxx | Cash Reserves | 189075.00 | 683174.33 |
| 781188 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781188 | xxxxxx | Months Reserves | '-43.00 | 58.53 |
| 781514 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781514 | (No Data) | Months Reserves | 6.00 | 39.93 |
| 781514 | (No Data) | Total Cash Out | (98208.49) | 98208.49 |
| 781565 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781565 | (No Data) | Total Cash Out | (12693.39) | 12663.89 |
| 781753 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781753 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 781753 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 781755 | (No Data) | Cash Reserves | 16706.00 | 94853.64 |
| 781755 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781755 | (No Data) | Months Reserves | 3.00 | 28.10 |
| 781821 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781821 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 781821 | xxxxxx | Months Reserves | 6.00 | 12.04 |
| 781821 | xxxxxx | Periodic Rate Cap | 2.000 | 1.000 |
| 781821 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 781821 | xxxxxx | Total Cash Out | (23970.37) | 23970.37 |
|©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.11

**EXHIBIT 99.11**

**clayton non atr qm upload**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2023-INV1** |
| **Start - End Dates:** | **3/2022 - 12/2022** |
| **Deal Loan Count:** | **498** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *498* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 |
| **Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 768235 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 5.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6286.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768252 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 5.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1241.7 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.17 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768269 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 5.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4587.36 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 8200.00 | No | (No Data) | 1.79 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 768474 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3316.15 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 768478 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4038.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4100.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768491 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2191.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768493 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7986.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 8000.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768758 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3565.53 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 768760 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5280.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3150.00 | No | (No Data) | 0.60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768761 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2224.26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768765 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3409.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.73 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768769 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.4900 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1165.39 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1305.00 | No | (No Data) | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 768773 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -950.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1175.00 | No | (No Data) | 1.24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768780 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1404.97 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.57 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 768786 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5760.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768790 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3100.61 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2575.00 | No | (No Data) | 0.83 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768793 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1416.5 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1565.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768804 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1258.18 | No | (No Data) | No | (No Data) | No | Yes | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1425.00 | No | (No Data) | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 768916 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10298.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 7500.00 | No | (No Data) | 0.73 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768937 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2870.54 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768944 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7480.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6800.00 | No | (No Data) | 0.91 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 768946 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1459.62 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1950.00 | 1.34 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 768947 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9708.5 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 5500.00 | 0.57 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 768953 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1251.91 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1375.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769076 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3332.75 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 0.68 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769162 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2176.86 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769167 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3726.78 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 0.70 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769172 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -802.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.87 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769246 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1700.81 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 769272 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3664.61 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3800.00 | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 769283 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1023.54 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1100.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 769324 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -889.33 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.35 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 769326 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1835.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1875.00 | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 769328 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -833.83 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.44 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769333 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4161.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 0.79 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769334 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -998.58 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1000.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 769338 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2154.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.39 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769399 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3159.74 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3350.00 | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 769483 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -989.58 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1000.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769486 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3887.05 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 1.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769495 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1625.23 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 2.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769543 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8547.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 0.53 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769665 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6820.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 8900.00 | No | (No Data) | 1.30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769670 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2046.05 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769673 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1087.16 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1225.00 | No | (No Data) | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769682 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2199 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2400.00 | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) |
| 769722 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1805.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1825.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769727 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7439.76 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 15506.00 | No | (No Data) | 2.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 769729 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5435.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5100.00 | No | (No Data) | 0.94 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769767 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1364.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 769768 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6137.36 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6200.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 769814 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4337.23 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 0.90 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 769818 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1748.42 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.77 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 769819 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2710.12 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2800.00 | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 769974 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5790.17 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 10833.00 | No | (No Data) | 1.87 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 769977 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 5.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3928.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4100.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770035 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3212 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3480.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770036 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3900.94 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6180.00 | No | (No Data) | 1.58 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770037 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2906.46 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.20 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770040 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1518.62 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1750.00 | 1.15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 770044 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9494.51 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 9500.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770047 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2927.41 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770052 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12087.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12700.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770053 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7584.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4550.00 | No | (No Data) | 0.87 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770060 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2401.54 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.50 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770061 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1809.48 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1300.00 | No | (No Data) | 0.72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770067 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2284.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770073 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5352.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 0.58 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770074 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7168.83 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 7200.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770076 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7360.64 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 0.57 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770078 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3833.47 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 4500.00 | 1.17 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 770143 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1857.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2500.00 | 1.35 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 770148 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -909.89 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1000.00 | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 770149 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4466.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 0.83 | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 36 months;<br> DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770193 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4140.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4300.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770239 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5273.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 0.85 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770261 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3060.26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770262 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2977.4 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.34 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770264 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4799.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770265 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -548.84 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 705.00 | No | (No Data) | 1.28 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770269 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3484.82 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770271 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3767.05 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5350.00 | No | (No Data) | 1.42 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770366 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3867.97 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 0.98 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770367 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4004.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 0.82 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770425 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6021.5 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5300.00 | No | (No Data) | 0.88 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770428 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1388.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770435 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2799.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2800.00 | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 770526 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2022.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770529 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3452.75 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3550.00 | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 770560 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1191.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1195.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770565 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1979.05 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770613 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1991.36 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770615 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1779.33 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 0.84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770633 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1031.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770700 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6571.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 7000.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770702 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1103.77 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1225.00 | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 770723 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1320.32 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770726 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1204.7 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.20 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770727 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1342.49 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 770769 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2111.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 0.66 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770776 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2030.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1935.00 | No | (No Data) | 0.95 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770838 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -817.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 850.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770839 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -819.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 850.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 770963 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3753.29 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 771071 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2831.95 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.34 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771091 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 5.6636 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -905.3 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 950.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 771193 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6141.03 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6325.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 771197 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3992.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4400.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771198 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 5.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4021.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4400.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771201 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2703.71 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771202 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1125.72 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771210 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10622.74 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 10680.00 | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 771214 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -932.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1300.00 | 1.39 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 771218 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB | (No Data) | Yes | Yes | 1 | 7.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1558.76 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 771363 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -17998.97 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 18000.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 771369 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1397.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771385 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3481.58 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 771401 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1465.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771407 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1683.55 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1825.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 771422 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1816.96 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 0.94 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 771438 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1603.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2850.00 | No | (No Data) | 1.78 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771447 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2007.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771466 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4641.71 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 771469 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2022.86 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 771529 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2751.69 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2975.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 771538 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1322.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1500.00 | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 771580 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1841.3 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 771773 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3249.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2950.00 | No | (No Data) | 0.91 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771778 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2902.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.79 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771792 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2164.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 0.72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 771808 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1089.16 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.29 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 771844 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1327.25 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1600.00 | 1.21 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 771981 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1569.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772025 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3580.55 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 0.87 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772047 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1500.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1695.00 | No | (No Data) | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772139 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -902.76 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.33 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772141 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2277.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772167 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1996 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 0.80 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772169 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2642.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 5475.00 | 2.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 772184 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1261.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 875.00 | No | (No Data) | 0.69 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772186 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1117.07 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1295.00 | 1.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 772188 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3350.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772189 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3060.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 1.21 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772222 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2100.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772387 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9738.49 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6900.00 | No | (No Data) | 0.71 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772390 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3188.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772392 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2387.75 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 0.88 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772416 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8651 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5604.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772531 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13065.5 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 7500.00 | No | (No Data) | 0.57 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772534 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1627.18 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.17 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772536 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1457.04 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772554 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3679.77 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772564 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1566.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772565 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1764.35 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1900.00 | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 772572 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5647.39 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772758 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6769.5 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4250.00 | No | (No Data) | 0.63 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772762 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2279.21 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2150.00 | 0.94 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 772765 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3824.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 7500.00 | No | (No Data) | 1.96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772766 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1713.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2005.00 | No | (No Data) | 1.17 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772786 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -949.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1050.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772800 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3987.08 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.63 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772815 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1541.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772845 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2099.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772902 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3233.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2850.00 | No | (No Data) | 0.88 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772906 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2400 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2203.78 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772908 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -783.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1100.00 | No | (No Data) | 1.40 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772911 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2516.04 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2675.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772925 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2991.78 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772926 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2474.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4638.06 | No | (No Data) | 1.87 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772986 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2906.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772987 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1464.6 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 772993 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10185.63 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 9500.00 | No | (No Data) | 0.93 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 772994 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1541.27 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1700.00 | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) |
| 773030 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11122.9 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 13391.67 | No | (No Data) | 1.20 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 773054 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1695.69 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.71 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773060 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11997.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 0.50 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773065 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5499.71 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5500.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 773341 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1977.61 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.57 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773358 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -886.26 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1125.00 | No | (No Data) | 1.27 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 773389 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3512.28 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3700.00 | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 773447 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3056.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3150.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773617 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1562.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1600.00 | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 773619 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1323.78 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 773814 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1541.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1300.00 | No | (No Data) | 0.84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773819 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9186.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 4500.00 | 0.49 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 773892 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1606.56 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1670.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773923 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8516.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 9700.00 | 1.14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 773934 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1557.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1914.00 | No | (No Data) | 1.23 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 773998 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -876.23 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1100.00 | No | (No Data) | 1.26 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774006 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2228.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774018 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3820.95 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2850.00 | No | (No Data) | 0.75 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774099 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1323.24 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.66 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774102 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3448.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774103 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2097.85 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1835.00 | No | (No Data) | 0.87 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774108 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2417.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 0.70 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774112 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1328.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1133.00 | No | (No Data) | 0.85 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774243 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7401 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1308.36 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1345.00 | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 774547 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5202.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6500.00 | No | (No Data) | 1.25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774552 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1151 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3808.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774590 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4264.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.70 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774599 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2400 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4078.41 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774676 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB | (No Data) | Yes | Yes | 1 | 8.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1792.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774679 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1005.72 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1095.00 | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 774681 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8650 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1088.08 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1300.00 | No | (No Data) | 1.19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774682 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1017.84 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1050.00 | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 774685 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1756.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774688 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1315.48 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1350.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774689 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1058.79 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1095.00 | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 774718 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4942.14 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5750.00 | No | (No Data) | 1.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774722 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1705.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.52 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774839 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1823.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1875.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774842 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6309.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4600.00 | No | (No Data) | 0.73 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774843 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1759.98 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2040.62 | 1.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 774861 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7401 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1955.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1990.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774866 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7202.82 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4700.00 | No | (No Data) | 0.84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774869 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -17865.23 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 7750.00 | No | (No Data) | 0.43 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774872 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8651 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1897.54 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2000.00 | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 774889 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7400 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3991.51 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5700.00 | No | (No Data) | 1.43 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774956 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6073.43 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 18000.00 | No | (No Data) | 2.96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774964 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8740.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 9500.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 774965 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1994.44 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 774981 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1454.96 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775107 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8651 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2201.09 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2450.00 | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) |
| 775111 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -828.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 850.00 | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 775112 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1486.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2499.00 | No | (No Data) | 1.68 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775113 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3650 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2376.26 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2490.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775118 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8325.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 8500.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775120 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3563.37 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775121 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13627.83 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 15000.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775125 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1933.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2150.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775126 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0730 | No | No | 10.952 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2503.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775182 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3953.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775183 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8069.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 9925.00 | 1.23 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 775187 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.4900 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3399 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3900.00 | 1.15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 775188 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.3650 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -846.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1000.00 | No | (No Data) | 1.18 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775202 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.8650 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5837.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 6200.00 | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 775216 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 3.906 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3007.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2375.00 | No | (No Data) | 0.79 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775228 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -31062.21 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 15000.00 | No | (No Data) | 0.48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 775244 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4333.5 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4700.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775317 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1591.48 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775358 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2400 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -819 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.47 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775360 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2763.02 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2800.00 | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 775504 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2730.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2750.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775604 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1445.36 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775606 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3566.24 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4300.00 | No | (No Data) | 1.21 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775694 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8000.27 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 8750.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775695 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8424.5 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 8700.00 | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 775793 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3596.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775872 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2913.98 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 775875 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4920.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 775878 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3569.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4166.00 | No | (No Data) | 1.17 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776121 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2051.42 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2500.00 | 1.22 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 776125 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2664.31 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 0.88 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776126 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2051.43 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.22 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776129 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1892.44 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2500.00 | 1.32 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 776130 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5005.27 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 9850.00 | No | (No Data) | 1.97 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776245 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8046 | No | No | 8.418 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9146.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 10700.00 | No | (No Data) | 1.17 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776250 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1626.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776251 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2095.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776252 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2238.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776292 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6994.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 7000.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776350 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2620.43 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.22 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776415 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2090.47 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776417 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1927.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2000.00 | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 776523 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3574.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 7550.00 | No | (No Data) | 2.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776524 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3519.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2850.00 | No | (No Data) | 0.81 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776527 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1651.36 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 0.91 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776572 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1522.86 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2060.00 | No | (No Data) | 1.35 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776573 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8388.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6300.00 | No | (No Data) | 0.75 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776574 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6568.45 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 7700.00 | No | (No Data) | 1.17 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776579 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4806.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776629 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4183.47 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6600.00 | No | (No Data) | 1.58 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776630 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4122.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 0.80 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776631 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4859.14 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776632 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3833.5 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776816 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 3.281 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6525.63 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 9027.00 | No | (No Data) | 1.38 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776820 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1775.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776861 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of UPB | (No Data) | No | Yes | 1 | 7.4900 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3685.41 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776932 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 3.177 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2539.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 1.30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776935 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4910.72 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 0.65 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776938 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4857.75 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5500.00 | No | (No Data) | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776939 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2781.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776945 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2368.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776947 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3188.25 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3250.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 776948 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2514.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2750.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776952 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2215.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 7000.00 | No | (No Data) | 3.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776954 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4399.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 776956 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9940 | No | No | 10.125 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6058.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6500.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777015 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2176.13 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777017 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1948.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.95 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777018 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5459.07 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5500.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777019 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2222.56 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777022 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 2 mos interest on amt prepd >1/3 of OPB | (No Data) | No | Yes | 1 | 7.3740 | No | No | 0.819 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2149.04 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.26 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777032 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1740.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.21 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777034 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2757.32 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2780.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777035 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8651 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2579.5 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777038 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9607 | No | No | 10.307 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2031.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2100.00 | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 777040 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7401 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14300.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 15000.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777041 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7401 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2604.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777183 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4828.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 0.58 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777186 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3469.71 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5200.00 | No | (No Data) | 1.50 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777187 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7443 | No | No | 13.911 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2824.35 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.42 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777188 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2775.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777196 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2490 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2499.91 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777201 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3624.08 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4725.00 | No | (No Data) | 1.30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777233 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4724.84 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5200.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777397 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2934.98 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 3650.00 | 1.24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 777400 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4710.71 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5300.00 | No | (No Data) | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777402 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4437.45 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5200.00 | 1.17 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 777403 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2397.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 1.88 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777405 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2760.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2900.00 | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 777407 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2786.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.22 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777410 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1435 | No | No | 10.341 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4012.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5700.00 | No | (No Data) | 1.42 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777497 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3278.63 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 1.46 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777498 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2700.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 1.67 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777500 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7907.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 11500.00 | No | (No Data) | 1.45 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777505 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3951.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4432.00 | No | (No Data) | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777506 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2005.54 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777507 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8774.47 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 9900.00 | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 777508 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1774.22 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777509 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5635.9 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 7000.00 | No | (No Data) | 1.24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777511 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2478.17 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777569 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4336.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 0.81 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777573 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3873.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4350.00 | No | (No Data) | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777574 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2593.6 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777577 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3910.86 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 0.92 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777578 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3521.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777634 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3848.84 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5800.00 | No | (No Data) | 1.51 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777636 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1886.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.43 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777685 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2862 | No | No | 10.152 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2372 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777689 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6675.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 6800.00 | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 777690 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4260.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3521.00 | No | (No Data) | 0.83 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777744 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2542.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2550.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777749 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3046.93 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777756 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2948.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.85 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777757 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4715.96 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 4893.00 | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 777758 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3360.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 0.80 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777879 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2197.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 777882 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3363.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2700.00 | 0.80 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 777884 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9698 | No | No | 5.076 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2914.67 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777887 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2399.82 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 0.88 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777888 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1178.49 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 777890 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2383.27 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778038 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1897.12 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778041 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2980.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.34 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778042 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2206.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2225.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778043 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4054.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 0.64 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778044 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4926.9 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5000.00 | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 778045 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1378.49 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1600.00 | 1.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 778084 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4086.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4400.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778085 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7890 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 12091.67 | No | (No Data) | 1.53 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778181 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2666.23 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.75 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778182 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6965.77 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7400.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778183 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1401.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1500.00 | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 778184 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4083.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5100.00 | 1.25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 778185 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4727.19 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 1.27 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778187 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2206.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778305 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1584.21 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.51 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778339 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2300.34 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2310.00 | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 778352 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1485.64 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1250.00 | No | (No Data) | 0.84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778354 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9901 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3732.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 0.94 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778368 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2929.44 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3050.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778369 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4531.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 0.75 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778370 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3999.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778373 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6416.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6500.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778423 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3303.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3350.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778431 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3303.27 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778434 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 5+ Units | 8 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13709.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 13900.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778437 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7708.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6450.00 | No | (No Data) | 0.84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778439 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2249.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2575.00 | No | (No Data) | 1.14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778477 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3986.5 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6800.00 | No | (No Data) | 1.71 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778479 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3142.17 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4045.00 | No | (No Data) | 1.29 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778499 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3679.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778501 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4547.04 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 0.77 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778533 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4616.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5250.00 | No | (No Data) | 1.14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778548 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2141.4 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778552 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2144.51 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778571 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1187.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1300.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778609 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5836.02 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5850.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778661 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10193.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 14000.00 | No | (No Data) | 1.37 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778672 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2745.63 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3750.00 | No | (No Data) | 1.37 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778680 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9901 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4295.25 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4300.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778681 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2168.92 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2625.00 | No | (No Data) | 1.21 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778684 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9901 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3212.18 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3250.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778706 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1391.08 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1511.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778708 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9901 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3879.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6400.00 | No | (No Data) | 1.65 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778891 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1815.54 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1850.00 | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 778899 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9856.09 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10000.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 778904 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7400 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3384.16 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 4550.00 | 1.34 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 778930 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3475.88 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5426.67 | 1.56 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 778932 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3370.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 1.42 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778933 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6351.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5500.00 | No | (No Data) | 0.87 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778947 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1354.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 778960 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2192.09 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779021 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3270.55 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4400.00 | No | (No Data) | 1.35 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779023 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9901 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3188.35 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779039 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6427.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7000.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779114 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1701.92 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.18 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779115 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8651 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3476.59 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6500.00 | No | (No Data) | 1.87 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 779141 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1083.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779144 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1998.52 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779155 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1900.58 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2300.00 | 1.21 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 779182 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2431.75 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2500.00 | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 779191 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6150 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5490.13 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779193 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5168.57 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5200.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779240 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2955.35 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2960.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779449 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1881.08 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1990.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779451 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5673.64 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5700.00 | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 779452 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8590.73 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8800.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779453 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5443.6 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8400.00 | No | (No Data) | 1.54 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779454 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1747.96 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2185.00 | No | (No Data) | 1.25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779455 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2564.17 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779460 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -22323.31 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 28822.05 | 1.29 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 779461 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3248.83 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3250.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 779479 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1824.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1875.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779493 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4976.4 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5000.00 | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 779520 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2400.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779523 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4992.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5200.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779547 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1079.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.71 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779580 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2091.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779671 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | No | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3524.16 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5233.34 | No | (No Data) | 1.49 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779673 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4747.69 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779688 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2448.99 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2625.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779748 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4982.7 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5000.00 | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 779781 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4683.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4700.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779784 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6145.59 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 9193.00 | No | (No Data) | 1.50 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779788 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10772.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 15250.00 | No | (No Data) | 1.42 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779803 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4982.92 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7120.00 | No | (No Data) | 1.43 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 779821 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4147.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 4400.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779877 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4162.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 779880 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4552.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 6125.00 | 1.35 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 780092 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2730.9 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4600.00 | No | (No Data) | 1.68 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780096 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1297.77 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1300.00 | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 780111 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6134.63 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 9920.00 | No | (No Data) | 1.62 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780140 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1219.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1300.00 | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 780187 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1359.6 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.18 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780206 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3404.12 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 3700.00 | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 780209 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3343.28 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 4900.00 | 1.47 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 780213 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -16805.26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 3250.00 | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 780217 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1908.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 0.91 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780218 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5169.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 0.94 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780219 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5318.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.75 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780222 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3037.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 0.84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780223 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3567.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 0.77 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780224 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6520.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780225 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3608.78 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.85 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780226 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4% of Amt Prepd > 20% of OPB if amt prepd in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.4947 | No | No | 9.387 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11903.56 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 780228 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8764.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 5150.00 | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 780230 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8299.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 0.92 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780231 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4384.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3150.00 | No | (No Data) | 0.93 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780235 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4299.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 0.91 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780241 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -20471.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 0.83 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780243 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11356.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780245 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2813.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2047.00 | No | (No Data) | 1.30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780247 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2179.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2150.00 | No | (No Data) | 1.23 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780251 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2186.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.26 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780253 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4448.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 0.75 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780259 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1696.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3965.00 | No | (No Data) | 2.46 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780260 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1293.12 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1175.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780265 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2785.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.26 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780267 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9758.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780269 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2402.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.83 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780270 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3275.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2550.00 | No | (No Data) | 0.98 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780271 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2045.8 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 0.93 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780272 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4932.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 0.75 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780274 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5692.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 5200.00 | No | (No Data) | 0.91 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780275 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2436.18 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 780276 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7125.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 0.95 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780284 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4764.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1500.00 | 0.83 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 780285 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4260.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780286 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2183.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780288 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6469.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 780289 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2576.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 0.82 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780293 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4% of Amt Prepd > 20% of OPB if amt prepd in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 3.2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7391.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 780294 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3192.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2125.00 | No | (No Data) | 0.89 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780299 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12543.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 780304 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3937.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3450.00 | No | (No Data) | 0.88 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780305 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 3%, 2%, 1% of amount prepaid in years 1-4 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1990.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 0.85 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780306 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 3%, 2%, 1%, 1% of Amt PPD if Amt PPD within 12 months > 20% OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2389.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780451 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1241.2 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1250.00 | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 780477 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2070.12 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2100.00 | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 780774 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1180.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780777 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1329.55 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.28 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 780781 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6881.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7100.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780801 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1199.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1215.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780803 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1160.95 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1300.00 | 1.12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 780935 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2746.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2750.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780950 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9326.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7000.00 | No | (No Data) | 0.75 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780952 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1146.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1150.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 780962 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3812.66 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 1.26 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781125 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3456.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 1.30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 781186 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1491.89 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781188 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11672.89 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 20000.00 | No | (No Data) | 1.71 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781514 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2459.43 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.22 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781565 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1427.8 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1580.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781753 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5761.37 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6250.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781755 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3375.28 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 781821 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2393.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.12

**EXHIBIT 99.12**

**clayton rating agency grades report**

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| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2023-INV1** |
| **Start - End Dates:** | **3/2022 - 12/2022** |
| **Deal Loan Count:** | **498** |
| **Conditions Report** | **Conditions Report** |
| ***Loans in Report:*** | *498* |
| ***Loans with Conditions:*** | *103* |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **KBRA Initial Securitization Loan Compliance Grade** | **KBRA Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** |
| 768235 | Yes | xxxxxx | xxxxxx D A | D | A D | D | A |
| 768252 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768269 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768474 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768478 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768491 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768493 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768758 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 768760 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768761 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768765 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768769 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 768773 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768780 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768786 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768790 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768793 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768804 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768916 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768937 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768944 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768946 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768947 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 768953 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769076 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769162 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769167 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769172 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769246 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769272 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769283 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769324 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769326 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769328 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769333 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769334 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 769338 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769399 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769483 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769486 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769495 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 769543 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769665 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769670 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769673 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769682 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769722 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769727 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769729 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769767 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769768 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769814 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769818 | Yes | xxxxxx | xxxxxx B A | B | B A | B | B |
| 769819 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769974 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 769977 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770035 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 770036 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 770037 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 770040 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770044 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770047 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770052 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770053 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770060 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770061 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770067 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770073 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770074 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770076 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770078 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770143 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770148 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770149 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770193 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770239 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770261 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770262 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770264 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770265 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770269 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 770271 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770366 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770367 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770425 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 770428 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770435 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770526 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770529 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770560 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770565 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770613 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770615 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770633 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770700 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770702 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 770723 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 770726 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770727 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770769 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770776 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770838 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770839 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 770963 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771071 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771091 | Yes | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A |
| 771193 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771197 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771198 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771201 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771202 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771210 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771214 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771218 | Yes | xxxxxx | xxxxxx D A | D | A D | D | A |
| 771363 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771369 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771385 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771401 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771407 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771422 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771438 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771447 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771466 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771469 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 771529 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771538 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771580 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771773 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771778 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771792 | Yes | xxxxxx | xxxxxx C B A | A | A C B | A | A |
| 771808 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771844 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 771981 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772025 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772047 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772139 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 772141 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772167 | Yes | xxxxxx | xxxxxx C B A | A | A C B | A | A |
| 772169 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772184 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772186 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772188 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772189 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772222 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772387 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772390 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 772392 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772416 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 772531 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772534 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772536 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772554 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772564 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772565 | Yes | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A |
| 772572 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772758 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772762 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 772765 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772766 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772786 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 772800 | Yes | xxxxxx | xxxxxx A B | A | A B | A | A |
| 772815 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772845 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772902 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772906 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 772908 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 772911 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772925 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772926 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772986 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772987 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 772993 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 772994 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773030 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773054 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 773060 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773065 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773341 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773358 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 773389 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773447 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 773617 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773619 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773814 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773819 | Yes | xxxxxx | xxxxxx C B A | A | A C B | A | A |
| 773892 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773923 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773934 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 773998 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774006 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 774018 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774099 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774102 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774103 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774108 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774112 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774243 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774547 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774552 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774590 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774599 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774676 | Yes | xxxxxx | xxxxxx D A | D | A D | D | A |
| 774679 | Yes | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A |
| 774681 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774682 | Yes | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A |
| 774685 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774688 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774689 | Yes | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A |
| 774718 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774722 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774839 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774842 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774843 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774861 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774866 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774869 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774872 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 774889 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774956 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 774964 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 774965 | Yes | xxxxxx | xxxxxx D B A | D | A D B | D | A |
| 774981 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775107 | Yes | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A |
| 775111 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 775112 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775113 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775118 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775120 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775121 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775125 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775126 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775182 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775183 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775187 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775188 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775202 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 775216 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 775228 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775244 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775317 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775358 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775360 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775504 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775604 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 775606 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775694 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775695 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775793 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775872 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 775875 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 775878 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 776121 | Yes | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A |
| 776125 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776126 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 776129 | Yes | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A |
| 776130 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 776245 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776250 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776251 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776252 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776292 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776350 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 776415 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 776417 | Yes | xxxxxx | xxxxxx C B A | A | A C B | A | A |
| 776523 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776524 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776527 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776572 | Yes | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A |
| 776573 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 776574 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 776579 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776629 | Yes | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A |
| 776630 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776631 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 776632 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776816 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776820 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 776861 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 776932 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776935 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 776938 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 776939 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 776945 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776947 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 776948 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776952 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 776954 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 776956 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777015 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777017 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777018 | Yes | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A |
| 777019 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777022 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 777032 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 777034 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777035 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777038 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777040 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777041 | Yes | xxxxxx | xxxxxx C B A | A | A C B | A | A |
| 777183 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777186 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 777187 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777188 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777196 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777201 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 777233 | Yes | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A |
| 777397 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777400 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777402 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777403 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777405 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 777407 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777410 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777497 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777498 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777500 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777505 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777506 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777507 | Yes | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A |
| 777508 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777509 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 777511 | Yes | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A |
| 777569 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777573 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777574 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777577 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 777578 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777634 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777636 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777685 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 777689 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777690 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777744 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777749 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777756 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777757 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777758 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777879 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777882 | Yes | xxxxxx | xxxxxx D B A C | A | A D B C | A | A |
| 777884 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777887 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 777888 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 777890 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778038 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778041 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 778042 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778043 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778044 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778045 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778084 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778085 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778181 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778182 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778183 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 778184 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 778185 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778187 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778305 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778339 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778352 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778354 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778368 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778369 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778370 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778373 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778423 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778431 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778434 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778437 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 778439 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 778477 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 778479 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778499 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778501 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778533 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778548 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 778552 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778571 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778609 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778661 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 778672 | Yes | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A |
| 778680 | Yes | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A |
| 778681 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778684 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778706 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778708 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778891 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778899 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778904 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 778930 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 778932 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 778933 | Yes | xxxxxx | xxxxxx C B A | A | A C B | A | A |
| 778947 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 778960 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779021 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779023 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779039 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779114 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779115 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779141 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779144 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779155 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779182 | Yes | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A |
| 779191 | Yes | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A |
| 779193 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779240 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779449 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779451 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779452 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779453 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779454 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779455 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 779460 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 779461 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779479 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779493 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779520 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 779523 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 779547 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779580 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 779671 | Yes | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A |
| 779673 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779688 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779748 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779781 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779784 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 779788 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779803 | Yes | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A |
| 779821 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779877 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 779880 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780092 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780096 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780111 | Yes | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A |
| 780140 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780187 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780206 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780209 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 780213 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 780217 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780218 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780219 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 780222 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780223 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780224 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780225 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780226 | Yes | xxxxxx | xxxxxx D A C | A | A D C | A | A |
| 780228 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780230 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 780231 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780235 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 780241 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 780243 | Yes | xxxxxx | xxxxxx C B A | A | A C B | A | A |
| 780245 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780247 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780251 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 780253 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780259 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780260 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 780265 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 780267 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780269 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780270 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780271 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780272 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780274 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 780275 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780276 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 780284 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 780285 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780286 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A |
| 780288 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780289 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780293 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780294 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780299 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780304 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 780305 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780306 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A |
| 780451 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 780477 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 780774 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780777 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 780781 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780801 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780803 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 780935 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780950 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 780952 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A |
| 780962 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781125 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 781186 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781188 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 781514 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781565 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781753 | Yes | xxxxxx | xxxxxx A | A | A | A | A |
| 781755 | Yes | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| 781821 | Yes | xxxxxx | xxxxxx A | A | A | A | A |

---

## Exhibit 99.13

**EXHIBIT 99.13**

**clayton valuations summary**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2023-INV1 |
| **Start - End Dates:** | 3/2022 - 12/2022 |
| **Deal Loan Count:** | 498 |
| **Valuations Summary** |  |
| *Loans in Report:* | *498* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Infomation** |
| **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** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 781188 | xxxxxx | xxxxxx | xxxxxx | 11/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 781821 | xxxxxx | $0.00 | xxxxxx | 11/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 778891 | xxxxxx | $0.00 | xxxxxx | 10/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780952 | xxxxxx | $0.00 | xxxxxx | 10/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 768758 | xxxxxx | xxxxxx | xxxxxx | 10/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 781565 | xxxxxx | $0.00 | xxxxxx | 10/26/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 780111 | xxxxxx | $0.00 | xxxxxx | 10/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 780801 | xxxxxx | xxxxxx | xxxxxx | 10/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780803 | xxxxxx | $0.00 | xxxxxx | 10/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 781125 | xxxxxx | xxxxxx | xxxxxx | 10/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 781755 | xxxxxx | xxxxxx | xxxxxx | 10/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/11/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 779821 | xxxxxx | $0.00 | xxxxxx | 10/20/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/11/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 781753 | xxxxxx | xxxxxx | xxxxxx | 10/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780777 | xxxxxx | $0.00 | xxxxxx | 10/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 780209 | xxxxxx | $0.00 | xxxxxx | 10/12/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779191 | xxxxxx | $0.00 | xxxxxx | 10/11/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/10/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779240 | xxxxxx | xxxxxx | xxxxxx | 10/11/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/31/2022 | xxxxxx | xxxxxx | -5.37% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 780092 | xxxxxx | $0.00 | xxxxxx | 10/11/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/17/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780477 | xxxxxx | $0.00 | xxxxxx | 10/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 780950 | xxxxxx | $0.00 | xxxxxx | 10/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 780781 | xxxxxx | $0.00 | xxxxxx | 10/09/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/24/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780140 | xxxxxx | $0.00 | xxxxxx | 10/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/24/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 779788 | xxxxxx | $0.00 | xxxxxx | 10/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 779803 | xxxxxx | xxxxxx | xxxxxx | 10/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/25/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 779547 | xxxxxx | $0.00 | xxxxxx | 10/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 779580 | xxxxxx | $0.00 | xxxxxx | 10/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780187 | xxxxxx | xxxxxx | xxxxxx | 10/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 781514 | xxxxxx | $0.00 | xxxxxx | 10/02/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/21/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780774 | xxxxxx | xxxxxx | xxxxxx | 10/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/25/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779452 | xxxxxx | $0.00 | xxxxxx | 09/30/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/05/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779784 | xxxxxx | xxxxxx | xxxxxx | 09/30/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 779455 | xxxxxx | $0.00 | xxxxxx | 09/27/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/05/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780206 | xxxxxx | $0.00 | xxxxxx | 09/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 780935 | xxxxxx | xxxxxx | xxxxxx | 09/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 779479 | xxxxxx | $0.00 | xxxxxx | 09/26/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 779454 | xxxxxx | xxxxxx | xxxxxx | 09/23/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 778899 | xxxxxx | xxxxxx | xxxxxx | 09/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 779193 | xxxxxx | $0.00 | xxxxxx | 09/22/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779520 | xxxxxx | xxxxxx | xxxxxx | 09/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/27/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 779671 | xxxxxx | xxxxxx | xxxxxx | 09/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/27/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 779021 | xxxxxx | xxxxxx | xxxxxx | 09/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 779155 | xxxxxx | $0.00 | xxxxxx | 09/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 779460 | xxxxxx | $0.00 | xxxxxx | 09/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 06/24/2022 | xxxxxx | xxxxxx | 31.82% | Full Appraisal | Clear Capital | 10/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 779453 | xxxxxx | $0.00 | xxxxxx | 09/19/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/24/2022 | xxxxxx | xxxxxx | -7.14% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779182 | xxxxxx | $0.00 | xxxxxx | 09/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/27/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 779461 | xxxxxx | $0.00 | xxxxxx | 09/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/26/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 778085 | xxxxxx | xxxxxx | xxxxxx | 09/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/23/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 778708 | xxxxxx | $0.00 | xxxxxx | 09/16/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779877 | xxxxxx | xxxxxx | xxxxxx | 09/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 780306 | xxxxxx | $0.00 | xxxxxx | 09/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778930 | xxxxxx | xxxxxx | xxxxxx | 09/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 778960 | xxxxxx | xxxxxx | xxxxxx | 09/15/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779114 | xxxxxx | $0.00 | xxxxxx | 09/15/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/26/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779115 | xxxxxx | xxxxxx | xxxxxx | 09/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/07/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779451 | xxxxxx | $0.00 | xxxxxx | 09/14/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/27/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780247 | xxxxxx | xxxxxx | xxxxxx | 09/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780451 | xxxxxx | $0.00 | xxxxxx | 09/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/17/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 778681 | xxxxxx | xxxxxx | xxxxxx | 09/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778947 | xxxxxx | $0.00 | xxxxxx | 09/13/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/05/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 779688 | xxxxxx | xxxxxx | xxxxxx | 09/13/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/25/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780096 | xxxxxx | $0.00 | xxxxxx | 09/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 778477 | xxxxxx | xxxxxx | xxxxxx | 09/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/21/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 778932 | xxxxxx | xxxxxx | xxxxxx | 09/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 778437 | xxxxxx | xxxxxx | xxxxxx | 09/10/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779141 | xxxxxx | xxxxxx | xxxxxx | 09/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/30/2022 | xxxxxx | xxxxxx | 1.97% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 779039 | xxxxxx | xxxxxx | xxxxxx | 09/08/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/27/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 778305 | xxxxxx | $0.00 | xxxxxx | 09/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778373 | xxxxxx | xxxxxx | xxxxxx | 09/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 778706 | xxxxxx | $0.00 | xxxxxx | 09/07/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 778084 | xxxxxx | xxxxxx | xxxxxx | 09/06/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/15/2022 | xxxxxx | xxxxxx | -3.82% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 778501 | xxxxxx | $0.00 | xxxxxx | 09/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 778609 | xxxxxx | xxxxxx | xxxxxx | 09/06/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | Accurate Vauation Services | 10/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 778499 | xxxxxx | $0.00 | xxxxxx | 09/05/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780293 | xxxxxx | xxxxxx | xxxxxx | 09/04/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 778368 | xxxxxx | xxxxxx | xxxxxx | 09/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778548 | xxxxxx | xxxxxx | xxxxxx | 09/02/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 778552 | xxxxxx | xxxxxx | xxxxxx | 09/02/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 779493 | xxxxxx | $0.00 | xxxxxx | 09/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 778439 | xxxxxx | $0.00 | xxxxxx | 09/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780304 | xxxxxx | xxxxxx | xxxxxx | 09/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 778045 | xxxxxx | $0.00 | xxxxxx | 08/31/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 778571 | xxxxxx | $0.00 | xxxxxx | 08/31/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 779023 | xxxxxx | xxxxxx | xxxxxx | 08/31/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778044 | xxxxxx | $0.00 | xxxxxx | 08/30/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/07/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 779781 | xxxxxx | xxxxxx | xxxxxx | 08/30/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 778187 | xxxxxx | xxxxxx | xxxxxx | 08/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778904 | xxxxxx | $0.00 | xxxxxx | 08/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | Fannie Mae | 12/31/2099 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 778933 | xxxxxx | xxxxxx | xxxxxx | 08/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/27/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 780962 | xxxxxx | xxxxxx | xxxxxx | 08/26/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 11/23/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 778185 | xxxxxx | xxxxxx | xxxxxx | 08/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 12/31/2099 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 776574 | xxxxxx | $0.00 | xxxxxx | 08/24/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | Fannie Mae | 1025 Multi-Fam (Mar 05) | 06/23/2022 | xxxxxx | xxxxxx | 25.68% | (No Data) |
| 777500 | xxxxxx | xxxxxx | xxxxxx | 08/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 777577 | xxxxxx | xxxxxx | xxxxxx | 08/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/29/2022 | xxxxxx | xxxxxx | -4.84% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777879 | xxxxxx | xxxxxx | xxxxxx | 08/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778038 | xxxxxx | xxxxxx | xxxxxx | 08/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778479 | xxxxxx | $0.00 | xxxxxx | 08/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780245 | xxxxxx | $0.00 | xxxxxx | 08/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780284 | xxxxxx | $0.00 | xxxxxx | 08/24/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 780305 | xxxxxx | xxxxxx | xxxxxx | 08/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777508 | xxxxxx | $0.00 | xxxxxx | 08/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 777578 | xxxxxx | xxxxxx | xxxxxx | 08/23/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/01/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777744 | xxxxxx | xxxxxx | xxxxxx | 08/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777758 | xxxxxx | xxxxxx | xxxxxx | 08/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/31/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 777887 | xxxxxx | xxxxxx | xxxxxx | 08/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778339 | xxxxxx | $0.00 | xxxxxx | 08/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778680 | xxxxxx | xxxxxx | xxxxxx | 08/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/30/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777506 | xxxxxx | $0.00 | xxxxxx | 08/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778183 | xxxxxx | $0.00 | xxxxxx | 08/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 779144 | xxxxxx | xxxxxx | xxxxxx | 08/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 780274 | xxxxxx | xxxxxx | xxxxxx | 08/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/24/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780285 | xxxxxx | xxxxxx | xxxxxx | 08/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/31/2022 | xxxxxx | xxxxxx | 3.70% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780294 | xxxxxx | xxxxxx | xxxxxx | 08/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780299 | xxxxxx | xxxxxx | xxxxxx | 08/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 777405 | xxxxxx | $0.00 | xxxxxx | 08/19/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778352 | xxxxxx | $0.00 | xxxxxx | 08/19/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 777890 | xxxxxx | $0.00 | xxxxxx | 08/18/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/23/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780231 | xxxxxx | xxxxxx | xxxxxx | 08/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/25/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 780275 | xxxxxx | $0.00 | xxxxxx | 08/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 777569 | xxxxxx | xxxxxx | xxxxxx | 08/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778369 | xxxxxx | xxxxxx | xxxxxx | 08/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 780223 | xxxxxx | xxxxxx | xxxxxx | 08/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/19/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 780272 | xxxxxx | $0.00 | xxxxxx | 08/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 777041 | xxxxxx | $0.00 | xxxxxx | 08/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 777188 | xxxxxx | $0.00 | xxxxxx | 08/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777573 | xxxxxx | xxxxxx | xxxxxx | 08/16/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/25/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777634 | xxxxxx | xxxxxx | xxxxxx | 08/16/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 778043 | xxxxxx | xxxxxx | xxxxxx | 08/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 778434 | xxxxxx | xxxxxx | xxxxxx | 08/16/2022 | xxxxxx | 71B Multi-Fam |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | Clear Capital | 09/17/2022 | xxxxxx | xxxxxx | 8.81% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780289 | xxxxxx | xxxxxx | xxxxxx | 08/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 781186 | xxxxxx | $0.00 | xxxxxx | 08/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/26/2022 | xxxxxx | xxxxxx | -8.33% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 779523 | xxxxxx | $0.00 | xxxxxx | 08/15/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780253 | xxxxxx | xxxxxx | xxxxxx | 08/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780259 | xxxxxx | xxxxxx | xxxxxx | 08/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780269 | xxxxxx | xxxxxx | xxxxxx | 08/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 780286 | xxxxxx | xxxxxx | xxxxxx | 08/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 780288 | xxxxxx | xxxxxx | xxxxxx | 08/15/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 780276 | xxxxxx | xxxxxx | xxxxxx | 08/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777498 | xxxxxx | xxxxxx | xxxxxx | 08/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 778354 | xxxxxx | xxxxxx | xxxxxx | 08/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 778661 | xxxxxx | $0.00 | xxxxxx | 08/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | xxxxxx |
| 780243 | xxxxxx | $0.00 | xxxxxx | 08/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 780265 | xxxxxx | xxxxxx | xxxxxx | 08/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780271 | xxxxxx | xxxxxx | xxxxxx | 08/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 776945 | xxxxxx | xxxxxx | xxxxxx | 08/11/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/15/2022 | xxxxxx | xxxxxx | -1.57% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 777187 | xxxxxx | xxxxxx | xxxxxx | 08/11/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780225 | xxxxxx | xxxxxx | xxxxxx | 08/11/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 776820 | xxxxxx | xxxxxx | xxxxxx | 08/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 777183 | xxxxxx | xxxxxx | xxxxxx | 08/10/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777407 | xxxxxx | xxxxxx | xxxxxx | 08/10/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/02/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777410 | xxxxxx | xxxxxx | xxxxxx | 08/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/06/2022 | xxxxxx | xxxxxx | -2.91% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 778684 | xxxxxx | $0.00 | xxxxxx | 08/10/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780230 | xxxxxx | xxxxxx | xxxxxx | 08/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780251 | xxxxxx | xxxxxx | xxxxxx | 08/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/16/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780267 | xxxxxx | xxxxxx | xxxxxx | 08/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780270 | xxxxxx | $0.00 | xxxxxx | 08/10/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 777509 | xxxxxx | $0.00 | xxxxxx | 08/09/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/16/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780260 | xxxxxx | xxxxxx | xxxxxx | 08/09/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 776629 | xxxxxx | $0.00 | xxxxxx | 08/08/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 776935 | xxxxxx | xxxxxx | xxxxxx | 08/08/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/25/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777402 | xxxxxx | $0.00 | xxxxxx | 08/08/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777400 | xxxxxx | $0.00 | xxxxxx | 08/06/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/09/2022 | xxxxxx | xxxxxx | -3.05% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777636 | xxxxxx | xxxxxx | xxxxxx | 08/06/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/21/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777685 | xxxxxx | xxxxxx | xxxxxx | 08/04/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 779748 | xxxxxx | $0.00 | xxxxxx | 08/04/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/09/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 776947 | xxxxxx | $0.00 | xxxxxx | 08/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 776954 | xxxxxx | xxxxxx | xxxxxx | 08/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 777035 | xxxxxx | xxxxxx | xxxxxx | 08/03/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/16/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777690 | xxxxxx | xxxxxx | xxxxxx | 08/03/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777884 | xxxxxx | xxxxxx | xxxxxx | 08/03/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/31/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780213 | xxxxxx | $0.00 | xxxxxx | 08/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/05/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 775244 | xxxxxx | xxxxxx | xxxxxx | 08/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/25/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 776573 | xxxxxx | xxxxxx | xxxxxx | 08/02/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/30/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 776631 | xxxxxx | xxxxxx | xxxxxx | 08/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777038 | xxxxxx | xxxxxx | xxxxxx | 08/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777888 | xxxxxx | $0.00 | xxxxxx | 08/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 780235 | xxxxxx | xxxxxx | xxxxxx | 08/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/12/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 776952 | xxxxxx | $0.00 | xxxxxx | 08/01/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/04/2022 | xxxxxx | xxxxxx | -7.07% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777574 | xxxxxx | xxxxxx | xxxxxx | 08/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780241 | xxxxxx | xxxxxx | xxxxxx | 08/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 776417 | xxxxxx | $0.00 | xxxxxx | 07/31/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 776130 | xxxxxx | $0.00 | xxxxxx | 07/30/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/06/2022 | xxxxxx | xxxxxx | -4.62% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 776632 | xxxxxx | xxxxxx | xxxxxx | 07/30/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 776250 | xxxxxx | xxxxxx | xxxxxx | 07/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 776350 | xxxxxx | $0.00 | xxxxxx | 07/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 776415 | xxxxxx | xxxxxx | xxxxxx | 07/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/23/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777196 | xxxxxx | $0.00 | xxxxxx | 07/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 780224 | xxxxxx | $0.00 | xxxxxx | 07/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780228 | xxxxxx | $0.00 | xxxxxx | 07/29/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  | 09/08/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 776932 | xxxxxx | xxxxxx | xxxxxx | 07/28/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 776956 | xxxxxx | xxxxxx | xxxxxx | 07/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777505 | xxxxxx | $0.00 | xxxxxx | 07/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 778533 | xxxxxx | xxxxxx | xxxxxx | 07/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 775358 | xxxxxx | $0.00 | xxxxxx | 07/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 776816 | xxxxxx | $0.00 | xxxxxx | 07/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777511 | xxxxxx | $0.00 | xxxxxx | 07/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/10/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 777689 | xxxxxx | $0.00 | xxxxxx | 07/26/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775121 | xxxxxx | $0.00 | xxxxxx | 07/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 777756 | xxxxxx | $0.00 | xxxxxx | 07/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/26/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 779880 | xxxxxx | $0.00 | xxxxxx | 07/25/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/01/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775216 | xxxxxx | xxxxxx | xxxxxx | 07/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 776245 | xxxxxx | xxxxxx | xxxxxx | 07/22/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 776579 | xxxxxx | xxxxxx | xxxxxx | 07/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777186 | xxxxxx | $0.00 | xxxxxx | 07/22/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/11/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777201 | xxxxxx | $0.00 | xxxxxx | 07/22/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775875 | xxxxxx | xxxxxx | xxxxxx | 07/21/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/27/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 776252 | xxxxxx | xxxxxx | xxxxxx | 07/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 780217 | xxxxxx | xxxxxx | xxxxxx | 07/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775878 | xxxxxx | xxxxxx | xxxxxx | 07/20/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 777022 | xxxxxx | xxxxxx | xxxxxx | 07/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777233 | xxxxxx | xxxxxx | xxxxxx | 07/20/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/08/2022 | xxxxxx | xxxxxx | -5.56% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 778181 | xxxxxx | $0.00 | xxxxxx | 07/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/31/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 776251 | xxxxxx | $0.00 | xxxxxx | 07/19/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/02/2022 | xxxxxx | xxxxxx | -8.48% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 776527 | xxxxxx | $0.00 | xxxxxx | 07/19/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 777034 | xxxxxx | $0.00 | xxxxxx | 07/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 777507 | xxxxxx | $0.00 | xxxxxx | 07/18/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/29/2022 | xxxxxx | xxxxxx | -13.04% | Fannie Mae | 09/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 780222 | xxxxxx | xxxxxx | xxxxxx | 07/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 780226 | xxxxxx | xxxxxx | xxxxxx | 07/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Homegenius Real Estate LLC | 10/14/2022 | xxxxxx | xxxxxx | -18.18% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775183 | xxxxxx | xxxxxx | xxxxxx | 07/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 777015 | xxxxxx | xxxxxx | xxxxxx | 07/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 777017 | xxxxxx | xxxxxx | xxxxxx | 07/17/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/21/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | ProTek | 07/27/2022 | xxxxxx | xxxxxx | -28.61% | Clear Capital | Reconciliation | 07/29/2022 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 775872 | xxxxxx | xxxxxx | xxxxxx | 07/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 776524 | xxxxxx | xxxxxx | xxxxxx | 07/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 778042 | xxxxxx | xxxxxx | xxxxxx | 07/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 776572 | xxxxxx | $0.00 | xxxxxx | 07/14/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 776939 | xxxxxx | $0.00 | xxxxxx | 07/14/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/20/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 778672 | xxxxxx | xxxxxx | xxxxxx | 07/14/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/24/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 774861 | xxxxxx | xxxxxx | xxxxxx | 07/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775187 | xxxxxx | $0.00 | xxxxxx | 07/13/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/21/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 776125 | xxxxxx | xxxxxx | xxxxxx | 07/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/02/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 776861 | xxxxxx | $0.00 | xxxxxx | 07/13/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 776948 | xxxxxx | $0.00 | xxxxxx | 07/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 776121 | xxxxxx | $0.00 | xxxxxx | 07/12/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 778423 | xxxxxx | xxxxxx | xxxxxx | 07/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/19/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 775125 | xxxxxx | xxxxxx | xxxxxx | 07/11/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 775126 | xxxxxx | xxxxxx | xxxxxx | 07/11/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 776126 | xxxxxx | $0.00 | xxxxxx | 07/10/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 776129 | xxxxxx | $0.00 | xxxxxx | 07/10/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775182 | xxxxxx | xxxxxx | xxxxxx | 07/08/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 775188 | xxxxxx | xxxxxx | xxxxxx | 07/08/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 774965 | xxxxxx | $0.00 | xxxxxx | 07/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/13/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 775112 | xxxxxx | xxxxxx | xxxxxx | 07/07/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775228 | xxxxxx | xxxxxx | xxxxxx | 07/07/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  | 07/12/2022 | xxxxxx | $0.00 | 0.00% | Full Appraisal | Clear Capital | 08/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 779449 | xxxxxx | xxxxxx | xxxxxx | 07/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 10/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 774599 | xxxxxx | xxxxxx | xxxxxx | 07/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 774842 | xxxxxx | $0.00 | xxxxxx | 07/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 777403 | xxxxxx | xxxxxx | xxxxxx | 07/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 778182 | xxxxxx | $0.00 | xxxxxx | 07/06/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775107 | xxxxxx | $0.00 | xxxxxx | 07/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775793 | xxxxxx | xxxxxx | xxxxxx | 07/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775111 | xxxxxx | $0.00 | xxxxxx | 07/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775606 | xxxxxx | $0.00 | xxxxxx | 07/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 778370 | xxxxxx | xxxxxx | xxxxxx | 07/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780218 | xxxxxx | xxxxxx | xxxxxx | 07/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 07/01/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 774956 | xxxxxx | $0.00 | xxxxxx | 06/30/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/26/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| 778184 | xxxxxx | $0.00 | xxxxxx | 06/30/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/09/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 774552 | xxxxxx | xxxxxx | xxxxxx | 06/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 780219 | xxxxxx | xxxxxx | xxxxxx | 06/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 07/05/2022 | xxxxxx | $0.00 | 0.00% | Desk |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 774839 | xxxxxx | xxxxxx | xxxxxx | 06/28/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 774866 | xxxxxx | $0.00 | xxxxxx | 06/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| 777018 | xxxxxx | xxxxxx | xxxxxx | 06/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 777497 | xxxxxx | $0.00 | xxxxxx | 06/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773892 | xxxxxx | $0.00 | xxxxxx | 06/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/05/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 774243 | xxxxxx | $0.00 | xxxxxx | 06/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 774590 | xxxxxx | xxxxxx | xxxxxx | 06/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/13/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 774843 | xxxxxx | $0.00 | xxxxxx | 06/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 775604 | xxxxxx | xxxxxx | xxxxxx | 06/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1004 SFR (Mar 05) | 07/07/2022 | xxxxxx | xxxxxx | 4.07% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 777032 | xxxxxx | xxxxxx | xxxxxx | 06/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| 774718 | xxxxxx | xxxxxx | xxxxxx | 06/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773814 | xxxxxx | xxxxxx | xxxxxx | 06/23/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773819 | xxxxxx | $0.00 | xxxxxx | 06/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 774547 | xxxxxx | xxxxxx | xxxxxx | 06/23/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 774676 | xxxxxx | xxxxxx | xxxxxx | 06/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 774964 | xxxxxx | xxxxxx | xxxxxx | 06/23/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/21/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775694 | xxxxxx | $0.00 | xxxxxx | 06/23/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/26/2022 | xxxxxx | xxxxxx | -1.25% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775695 | xxxxxx | $0.00 | xxxxxx | 06/23/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/26/2022 | xxxxxx | xxxxxx | -7.69% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 774018 | xxxxxx | $0.00 | xxxxxx | 06/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 774679 | xxxxxx | $0.00 | xxxxxx | 06/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 774682 | xxxxxx | $0.00 | xxxxxx | 06/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 774689 | xxxxxx | $0.00 | xxxxxx | 06/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 774872 | xxxxxx | $0.00 | xxxxxx | 06/22/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 775360 | xxxxxx | $0.00 | xxxxxx | 06/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777019 | xxxxxx | xxxxxx | xxxxxx | 06/22/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 779673 | xxxxxx | xxxxxx | xxxxxx | 06/22/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/01/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770035 | xxxxxx | $0.00 | xxxxxx | 06/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/05/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 772766 | xxxxxx | $0.00 | xxxxxx | 06/21/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 773054 | xxxxxx | xxxxxx | xxxxxx | 06/21/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770037 | xxxxxx | $0.00 | xxxxxx | 06/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/27/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 772926 | xxxxxx | xxxxxx | xxxxxx | 06/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 773389 | xxxxxx | $0.00 | xxxxxx | 06/20/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/24/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777757 | xxxxxx | $0.00 | xxxxxx | 06/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/04/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 773341 | xxxxxx | xxxxxx | xxxxxx | 06/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/23/2022 | xxxxxx | xxxxxx | -7.12% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 774108 | xxxxxx | xxxxxx | xxxxxx | 06/17/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/05/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 774681 | xxxxxx | xxxxxx | xxxxxx | 06/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 775504 | xxxxxx | xxxxxx | xxxxxx | 06/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 773998 | xxxxxx | $0.00 | xxxxxx | 06/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 774889 | xxxxxx | xxxxxx | xxxxxx | 06/16/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/26/2022 | xxxxxx | xxxxxx | -8.93% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775202 | xxxxxx | $0.00 | xxxxxx | 06/16/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/27/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 773934 | xxxxxx | $0.00 | xxxxxx | 06/15/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/30/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | xxxxxx |
| 774869 | xxxxxx | xxxxxx | xxxxxx | 06/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 06/17/2022 | xxxxxx | xxxxxx | 1.08% | Full Appraisal | Clear Capital | 07/08/2022 | xxxxxx | xxxxxx | 1.08% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 772986 | xxxxxx | xxxxxx | xxxxxx | 06/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775317 | xxxxxx | $0.00 | xxxxxx | 06/14/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/05/2022 | xxxxxx | xxxxxx | -4.76% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 770839 | xxxxxx | $0.00 | xxxxxx | 06/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 774099 | xxxxxx | $0.00 | xxxxxx | 06/13/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 774981 | xxxxxx | $0.00 | xxxxxx | 06/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 771438 | xxxxxx | $0.00 | xxxxxx | 06/10/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/16/2022 | xxxxxx | xxxxxx | -10.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 774112 | xxxxxx | $0.00 | xxxxxx | 06/09/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/26/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 775118 | xxxxxx | $0.00 | xxxxxx | 06/09/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773060 | xxxxxx | xxxxxx | xxxxxx | 06/08/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 773619 | xxxxxx | xxxxxx | xxxxxx | 06/08/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 774006 | xxxxxx | xxxxxx | xxxxxx | 06/08/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/01/2022 | xxxxxx | xxxxxx | -0.57% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 774685 | xxxxxx | $0.00 | xxxxxx | 06/08/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 776630 | xxxxxx | xxxxxx | xxxxxx | 06/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 777397 | xxxxxx | $0.00 | xxxxxx | 06/06/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/01/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 773923 | xxxxxx | $0.00 | xxxxxx | 06/05/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/05/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 776938 | xxxxxx | xxxxxx | xxxxxx | 06/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/27/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773030 | xxxxxx | xxxxxx | xxxxxx | 06/04/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775113 | xxxxxx | $0.00 | xxxxxx | 06/04/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 772765 | xxxxxx | xxxxxx | xxxxxx | 06/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Collateral Analytics | 06/13/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772554 | xxxxxx | $0.00 | xxxxxx | 06/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 772762 | xxxxxx | $0.00 | xxxxxx | 06/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 773065 | xxxxxx | xxxxxx | xxxxxx | 06/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773447 | xxxxxx | $0.00 | xxxxxx | 06/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 777749 | xxxxxx | $0.00 | xxxxxx | 06/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 772169 | xxxxxx | $0.00 | xxxxxx | 06/01/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 772993 | xxxxxx | $0.00 | xxxxxx | 06/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/13/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 774103 | xxxxxx | $0.00 | xxxxxx | 06/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 776523 | xxxxxx | $0.00 | xxxxxx | 06/01/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/11/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 772390 | xxxxxx | xxxxxx | xxxxxx | 05/31/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 772392 | xxxxxx | xxxxxx | xxxxxx | 05/31/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772908 | xxxxxx | xxxxxx | xxxxxx | 05/31/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 778431 | xxxxxx | xxxxxx | xxxxxx | 05/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/09/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 772786 | xxxxxx | xxxxxx | xxxxxx | 05/27/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 772902 | xxxxxx | $0.00 | xxxxxx | 05/27/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/13/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 772387 | xxxxxx | xxxxxx | xxxxxx | 05/26/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/23/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 772184 | xxxxxx | $0.00 | xxxxxx | 05/25/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772815 | xxxxxx | xxxxxx | xxxxxx | 05/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772845 | xxxxxx | xxxxxx | xxxxxx | 05/25/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/30/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 773358 | xxxxxx | xxxxxx | xxxxxx | 05/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/24/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772141 | xxxxxx | xxxxxx | xxxxxx | 05/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772167 | xxxxxx | xxxxxx | xxxxxx | 05/24/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 772531 | xxxxxx | xxxxxx | xxxxxx | 05/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 05/25/2022 | xxxxxx | $0.00 | 0.00% | Full Appraisal | Clear Capital | 06/07/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 772906 | xxxxxx | xxxxxx | xxxxxx | 05/24/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/09/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 774102 | xxxxxx | $0.00 | xxxxxx | 05/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 772800 | xxxxxx | xxxxxx | xxxxxx | 05/23/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/02/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 772925 | xxxxxx | $0.00 | xxxxxx | 05/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 772534 | xxxxxx | $0.00 | xxxxxx | 05/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 774722 | xxxxxx | xxxxxx | xxxxxx | 05/20/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/07/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 772416 | xxxxxx | xxxxxx | xxxxxx | 05/19/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/13/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 772188 | xxxxxx | xxxxxx | xxxxxx | 05/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/10/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 774688 | xxxxxx | $0.00 | xxxxxx | 05/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/26/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 771538 | xxxxxx | $0.00 | xxxxxx | 05/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/23/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 772222 | xxxxxx | xxxxxx | xxxxxx | 05/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772536 | xxxxxx | xxxxxx | xxxxxx | 05/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/07/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 772911 | xxxxxx | xxxxxx | xxxxxx | 05/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/27/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 771091 | xxxxxx | $0.00 | xxxxxx | 05/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 771844 | xxxxxx | $0.00 | xxxxxx | 05/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/23/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 772047 | xxxxxx | $0.00 | xxxxxx | 05/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772139 | xxxxxx | $0.00 | xxxxxx | 05/16/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 776292 | xxxxxx | xxxxxx | xxxxxx | 05/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 08/05/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777040 | xxxxxx | $0.00 | xxxxxx | 05/13/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  | 08/22/2022 | xxxxxx | xxxxxx | 3.13% | Full Appraisal | Clear Capital | 08/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 777882 | xxxxxx | $0.00 | xxxxxx | 05/13/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 09/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 778041 | xxxxxx | $0.00 | xxxxxx | 05/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 769272 | xxxxxx | $0.00 | xxxxxx | 05/12/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/17/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 771407 | xxxxxx | $0.00 | xxxxxx | 05/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772565 | xxxxxx | $0.00 | xxxxxx | 05/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/26/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 772758 | xxxxxx | xxxxxx | xxxxxx | 05/12/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/23/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 775120 | xxxxxx | $0.00 | xxxxxx | 05/12/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 07/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 771369 | xxxxxx | xxxxxx | xxxxxx | 05/11/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/17/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 771385 | xxxxxx | xxxxxx | xxxxxx | 05/09/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 771447 | xxxxxx | xxxxxx | xxxxxx | 05/09/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 771466 | xxxxxx | xxxxxx | xxxxxx | 05/08/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/31/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770425 | xxxxxx | xxxxxx | xxxxxx | 05/05/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/16/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 771193 | xxxxxx | xxxxxx | xxxxxx | 05/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 771778 | xxxxxx | xxxxxx | xxxxxx | 05/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 771981 | xxxxxx | xxxxxx | xxxxxx | 05/04/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/05/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 771808 | xxxxxx | $0.00 | xxxxxx | 05/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/25/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 772572 | xxxxxx | $0.00 | xxxxxx | 05/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/01/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 770261 | xxxxxx | xxxxxx | xxxxxx | 05/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/11/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 771529 | xxxxxx | $0.00 | xxxxxx | 05/02/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 771214 | xxxxxx | $0.00 | xxxxxx | 04/30/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 770723 | xxxxxx | $0.00 | xxxxxx | 04/29/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Ansaldo Appraisal Servics, LLC | 06/17/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 770726 | xxxxxx | $0.00 | xxxxxx | 04/29/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772564 | xxxxxx | xxxxxx | xxxxxx | 04/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/23/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 771580 | xxxxxx | xxxxxx | xxxxxx | 04/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 770565 | xxxxxx | xxxxxx | xxxxxx | 04/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772186 | xxxxxx | $0.00 | xxxxxx | 04/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 770702 | xxxxxx | $0.00 | xxxxxx | 04/26/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 770776 | xxxxxx | xxxxxx | xxxxxx | 04/26/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 771201 | xxxxxx | xxxxxx | xxxxxx | 04/26/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/10/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770435 | xxxxxx | $0.00 | xxxxxx | 04/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772189 | xxxxxx | xxxxxx | xxxxxx | 04/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/10/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 770526 | xxxxxx | xxxxxx | xxxxxx | 04/22/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/02/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 771422 | xxxxxx | xxxxxx | xxxxxx | 04/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 770149 | xxxxxx | xxxxxx | xxxxxx | 04/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 770560 | xxxxxx | xxxxxx | xxxxxx | 04/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 770963 | xxxxxx | $0.00 | xxxxxx | 04/21/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/04/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770078 | xxxxxx | $0.00 | xxxxxx | 04/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 770264 | xxxxxx | $0.00 | xxxxxx | 04/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 770615 | xxxxxx | xxxxxx | xxxxxx | 04/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 771792 | xxxxxx | xxxxxx | xxxxxx | 04/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/26/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 770148 | xxxxxx | $0.00 | xxxxxx | 04/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 770633 | xxxxxx | xxxxxx | xxxxxx | 04/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/02/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 770727 | xxxxxx | $0.00 | xxxxxx | 04/18/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 771401 | xxxxxx | xxxxxx | xxxxxx | 04/18/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 771197 | xxxxxx | $0.00 | xxxxxx | 04/16/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 769974 | xxxxxx | xxxxxx | xxxxxx | 04/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 770036 | xxxxxx | xxxxxx | xxxxxx | 04/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/06/2022 | xxxxxx | xxxxxx | -9.68% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770193 | xxxxxx | xxxxxx | xxxxxx | 04/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 770838 | xxxxxx | $0.00 | xxxxxx | 04/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/13/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 769818 | xxxxxx | xxxxxx | xxxxxx | 04/14/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770067 | xxxxxx | xxxxxx | xxxxxx | 04/13/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 770769 | xxxxxx | xxxxxx | xxxxxx | 04/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 770060 | xxxxxx | xxxxxx | xxxxxx | 04/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 770529 | xxxxxx | $0.00 | xxxxxx | 04/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/07/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 771202 | xxxxxx | $0.00 | xxxxxx | 04/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/11/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 773617 | xxxxxx | $0.00 | xxxxxx | 04/12/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770052 | xxxxxx | $0.00 | xxxxxx | 04/11/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770366 | xxxxxx | xxxxxx | xxxxxx | 04/11/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/01/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770076 | xxxxxx | xxxxxx | xxxxxx | 04/09/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/25/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 769665 | xxxxxx | $0.00 | xxxxxx | 04/08/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770367 | xxxxxx | xxxxxx | xxxxxx | 04/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 770047 | xxxxxx | xxxxxx | xxxxxx | 04/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 770053 | xxxxxx | $0.00 | xxxxxx | 04/06/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/23/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 769486 | xxxxxx | xxxxxx | xxxxxx | 04/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770061 | xxxxxx | xxxxxx | xxxxxx | 04/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 770269 | xxxxxx | xxxxxx | xxxxxx | 04/05/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/12/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772994 | xxxxxx | $0.00 | xxxxxx | 04/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 770700 | xxxxxx | $0.00 | xxxxxx | 04/04/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/18/2022 | xxxxxx | xxxxxx | -8.58% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 769399 | xxxxxx | $0.00 | xxxxxx | 04/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 770073 | xxxxxx | xxxxxx | xxxxxx | 04/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 769673 | xxxxxx | $0.00 | xxxxxx | 04/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/09/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 770044 | xxxxxx | xxxxxx | xxxxxx | 04/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Collateral Analytics | 05/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 771773 | xxxxxx | xxxxxx | xxxxxx | 04/01/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/14/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770262 | xxxxxx | $0.00 | xxxxxx | 03/31/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 769334 | xxxxxx | xxxxxx | xxxxxx | 03/30/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 769483 | xxxxxx | xxxxxx | xxxxxx | 03/30/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/11/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 769076 | xxxxxx | xxxxxx | xxxxxx | 03/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 769543 | xxxxxx | xxxxxx | xxxxxx | 03/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/07/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 769338 | xxxxxx | xxxxxx | xxxxxx | 03/28/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 769767 | xxxxxx | xxxxxx | xxxxxx | 03/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 770271 | xxxxxx | xxxxxx | xxxxxx | 03/28/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 771469 | xxxxxx | $0.00 | xxxxxx | 03/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 769495 | xxxxxx | xxxxxx | xxxxxx | 03/25/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/11/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770428 | xxxxxx | xxxxxx | xxxxxx | 03/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/11/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 770265 | xxxxxx | $0.00 | xxxxxx | 03/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 771071 | xxxxxx | xxxxxx | xxxxxx | 03/22/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/04/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768765 | xxxxxx | xxxxxx | xxxxxx | 03/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/04/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 768916 | xxxxxx | xxxxxx | xxxxxx | 03/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/21/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 768947 | xxxxxx | $0.00 | xxxxxx | 03/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/05/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 769333 | xxxxxx | xxxxxx | xxxxxx | 03/21/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/16/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 769768 | xxxxxx | xxxxxx | xxxxxx | 03/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 769722 | xxxxxx | xxxxxx | xxxxxx | 03/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/13/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 769172 | xxxxxx | $0.00 | xxxxxx | 03/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 769326 | xxxxxx | $0.00 | xxxxxx | 03/17/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/31/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770074 | xxxxxx | xxxxxx | xxxxxx | 03/16/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/04/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770040 | xxxxxx | $0.00 | xxxxxx | 03/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/31/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 769727 | xxxxxx | $0.00 | xxxxxx | 03/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/09/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 769729 | xxxxxx | xxxxxx | xxxxxx | 03/11/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/15/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 771198 | xxxxxx | $0.00 | xxxxxx | 03/09/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/22/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 769162 | xxxxxx | $0.00 | xxxxxx | 03/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/24/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 769324 | xxxxxx | $0.00 | xxxxxx | 03/04/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 769328 | xxxxxx | $0.00 | xxxxxx | 03/04/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 768790 | xxxxxx | xxxxxx | xxxxxx | 03/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 768793 | xxxxxx | xxxxxx | xxxxxx | 03/03/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 768493 | xxxxxx | $0.00 | xxxxxx | 03/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/17/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 769283 | xxxxxx | $0.00 | xxxxxx | 03/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 769167 | xxxxxx | xxxxxx | xxxxxx | 03/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 769819 | xxxxxx | $0.00 | xxxxxx | 03/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 770143 | xxxxxx | $0.00 | xxxxxx | 03/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 768478 | xxxxxx | xxxxxx | xxxxxx | 02/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768769 | xxxxxx | $0.00 | xxxxxx | 02/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 769246 | xxxxxx | $0.00 | xxxxxx | 02/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 772987 | xxxxxx | $0.00 | xxxxxx | 02/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 768786 | xxxxxx | $0.00 | xxxxxx | 02/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/18/2022 | xxxxxx | xxxxxx | -8.90% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 769682 | xxxxxx | $0.00 | xxxxxx | 02/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 772025 | xxxxxx | $0.00 | xxxxxx | 02/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 06/17/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 768804 | xxxxxx | $0.00 | xxxxxx | 02/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 768491 | xxxxxx | xxxxxx | xxxxxx | 02/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 768773 | xxxxxx | xxxxxx | xxxxxx | 02/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/23/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 770613 | xxxxxx | $0.00 | xxxxxx | 02/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/05/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 768780 | xxxxxx | xxxxxx | xxxxxx | 02/18/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/21/2022 | xxxxxx | xxxxxx | -4.50% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768269 | xxxxxx | $0.00 | xxxxxx | 02/15/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 768474 | xxxxxx | $0.00 | xxxxxx | 02/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 768761 | xxxxxx | $0.00 | xxxxxx | 02/14/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/24/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 771210 | xxxxxx | $0.00 | xxxxxx | 02/14/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 05/17/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768946 | xxxxxx | $0.00 | xxxxxx | 02/10/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/08/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 769814 | xxxxxx | xxxxxx | xxxxxx | 02/08/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 770239 | xxxxxx | xxxxxx | xxxxxx | 02/06/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/26/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768235 | xxxxxx | xxxxxx | xxxxxx | 01/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 769977 | xxxxxx | xxxxxx | xxxxxx | 01/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 01/28/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 771363 | xxxxxx | xxxxxx | xxxxxx | 01/26/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  | 02/03/2022 | xxxxxx | xxxxxx | 2.00% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 768944 | xxxxxx | xxxxxx | xxxxxx | 01/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 768252 | xxxxxx | xxxxxx | xxxxxx | 01/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 02/09/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768760 | xxxxxx | xxxxxx | xxxxxx | 01/17/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/29/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 771218 | xxxxxx | $0.00 | xxxxxx | 01/13/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 02/03/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 769670 | xxxxxx | $0.00 | xxxxxx | 01/05/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 04/06/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 768937 | xxxxxx | $0.00 | xxxxxx | 12/13/2021 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | Clear Capital | 03/03/2022 | xxxxxx | xxxxxx | -11.63% | Accurate Vauation Services | 03/18/2022 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 768953 | xxxxxx | $0.00 | xxxxxx | 12/08/2021 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |

---

## Exhibit 99.14

**EXHIBIT 99.14** 

**COVIUS REAL ESTATE SERVICES, LLC ("CRES") Due Diligence Executive Summary**

![](tm234610d1_ex99-14img001.jpg)

Executive Summary<br> VERUS 2023-INV1

**(1)** **Type of Assets.** 

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on residential mortgage loans originated by multiple correspondent lenders and acquired directly (or indirectly through Delaware statutory trusts) by VMC Asset Pooler, LLC (the "Client"). The loan reviews were conducted from February 2022 through July 2022 by CRES.

**(2)** **Number of Assets.** 

There were 18 assets in the loan population.

**(3)** **Review Process.** 

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● U.S. RMBS Rating Methodology, February 2, 2021<br>|
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;&nbsp;&nbsp;● Methodology And Assumptions For Rating U.S. RMBS Issued 2009 And Later, February 22, 2018 |

---

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

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

The due diligence review was conducted on 18 mortgage loans, secured by 59 properties with an aggregate original principal balance of approximately $12,738,440. The mortgage loans were originated from January 20, 2022 to May 31, 2022, by 10 sellers, with 33.33% of the portfolio being originated by two sellers.

**(5)** **Asset Review** 

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

Page 1 of 8

but are not limited to:

**Credit Review and Methodology**

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

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

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

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

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

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

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

**Leases and Market Rents (DSCR Loans):** Reviewed lease agreements and third-party market rent documents to confirm compliance with Debt-Service-Coverage-Ratio requirements. Note, the documentation that can be used to establish market rents can vary from lender to lender. CRES reviews the market rent source, to ensure compliance with applicable guidelines. In some cases, lenders may not require proof of market rents, if a sourced payment history can be provided along with the lease agreement.

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

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the

Page 2 of 8

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

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

**Property Valuation Review and Methodology**

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

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

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

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

**Compliance Review Methodology**

Page 3 of 8

Not applicable: All 18 loans in this pool are classified as "business purpose". In such cases compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. Classifications of QM and Non-QM are based on multiple factors including, but not limited to, requirements as set forth in Appendix Q to Part 1026.

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

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**Document Review**

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

● Appraisal.

● Asset documentation.

● Business Purpose Certification (if applicable)

● Changed circumstance documentation.

● Credit report.

● FACTA disclosures.

● Final 1003.

● Final HUD-1/Closing Disclosure(s).

● Hazard and/or flood insurance policies.

● HUD from sale of previous residence.

● Homeownership counseling organizations disclosure.

● Income and employment documentation.

● Initial and final GFE's.

● Initial application (1003).

● Initial escrow disclosure.

● Initial TIL.

● Leases

● Loan Estimate(s).

● Market Rent supporting documentation

● Mortgage Insurance.

● Mortgage/Deed of Trust.

● Note.

● Notice of Special Flood Hazards.

● Sales contract.

● Tangible Net Benefit Disclosure.

● Title/Preliminary Title.

● Written List of Service Providers.

Page 4 of 8

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

**(6)** **Tape Data Compare** 

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

---

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

---

The Client provided CRES with loan level data regarding the mortgage loans for the data integrity check. The Client received the data directly from sellers through loan registrations in its system or via data tape. In most cases, loans are registered before closing and prior to any pre-funding guideline review.

Of the 18 mortgage loans reviewed, six unique mortgage loans had at least one tape discrepancy across 21 data fields (some mortgage loans had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;17 | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;17 | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;DSCR\* | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;15 | &nbsp;&nbsp;3 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;First Payment Date\* | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;17 | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;17 | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Orig Term | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;17 | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;17 | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;QM Type\* | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;QM Type/TILA, Note Date, First Payment Date, DSCR: Tape data was not provided | &nbsp;&nbsp;QM Type/TILA, Note Date, First Payment Date, DSCR: Tape data was not provided | &nbsp;&nbsp;QM Type/TILA, Note Date, First Payment Date, DSCR: Tape data was not provided | &nbsp;&nbsp;QM Type/TILA, Note Date, First Payment Date, DSCR: Tape data was not provided |
| &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% |

---

DTI variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating incomes. Total Debt Ratio variances that

Page 5 of 8

were less than or equal to 3% of the tape value are not included in the data discrepancies reflected.

**(7)** **Credit, Compliance and Property Valuation Results** 

**Credit Results Summary**

All of the mortgage loans in the securitization have a Credit grade of "B" or higher and 50.00% of the mortgage loans by number have a Credit grade of "A." Exceptions or waivers were documented and supported with compensating factors on all 9 Credit grade "B" loans.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Results Summary**

All of the mortgage loans by number have a Compliance grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;18 | &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;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

All of the mortgage loans by number have a Valuation grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;18 | &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;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

**Overall Credit, Compliance and Property Valuation Results Summary**

All mortgage loans by number received an "A" or "B" overall grade and 50.00% of the mortgage loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

**(8)** **Pool Stratification Summary** 

Page 6 of 8

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;17 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Second Home** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;10 | &nbsp;&nbsp;55.56% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;7 | &nbsp;&nbsp;38.89% |
| &nbsp;&nbsp;**Rate Term Refi** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;13 | &nbsp;&nbsp;72.22% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;2 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;**Co-Op** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;2 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;**5-10 Unit Multifamily** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**Mixed Use** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**<0 or** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0-0.19** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0.2-0.39** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0.4-0.59** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**0.6-0.79** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**0.8-.99** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**1-1.19** | &nbsp;&nbsp;5 | &nbsp;&nbsp;27.78% |

---

Page 7 of 8

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**1.2-1.39** | &nbsp;&nbsp;4 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;**1.4-1.59** | &nbsp;&nbsp;2 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;**1.6-1.79** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**1.8-1.99** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**=>2** | &nbsp;&nbsp;2 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**All loans in this pool were underwritten to DSCR/Investor programs.** | &nbsp;&nbsp;**All loans in this pool were underwritten to DSCR/Investor programs.** | &nbsp;&nbsp;**All loans in this pool were underwritten to DSCR/Investor programs.** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0%-10%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10%-20%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-30%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-40%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**40%-50%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**50%-60%** | &nbsp;&nbsp;2 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;**60%-70%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**70%-80%** | &nbsp;&nbsp;11 | &nbsp;&nbsp;61.11% |
| &nbsp;&nbsp;**80%-90%** | &nbsp;&nbsp;2 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;**90%-100%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**AL** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**CA** | &nbsp;&nbsp;4 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;**CO** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**DE** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**FL** | &nbsp;&nbsp;4 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;**ID** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**MO** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**NC** | &nbsp;&nbsp;2 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;**NY** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**PA** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**WA** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

Page 8 of 8

## Exhibit 99.15

**EXHIBIT 99.15**

**CRES RATING AGENCY EXCEPTIONS REPORT**

**Rating Agency Exceptions Report: 1/23/2023**

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| 762362 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 791 | 75.00% | xxxxxx | xxxxxx | Credit | LTV | LTV is >70% guidelines maximum. LTV exception granted for 75% LTV. | LTV exception granted for 75% LTV. Client waived exception with compensating factors. | Reserves - 150.01 months reserves exceed 2 month minimum requirement., Credit Score - 791 credit score exceeds minimum of 700. | Client waives with compensating factors B | 2 |
| 762868 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 768 | 75.00% | xxxxxx | xxxxxx | Credit | 1008 | The approval and/or 1008 is missing from the loan file. | 03/17/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 762868 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 768 | 75.00% | xxxxxx | xxxxxx | Credit | Flood Insurance | Flood insurance documentation is not included in the loan file for the property located at xxxxxx. | 04/02/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 762868 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 768 | 75.00% | xxxxxx | xxxxxx | Credit | LTV | According to the underwriting guidelines, a 5% LTV reduction is required if the appraisal reflects any vacant units. In this case, the maximum allowed LTV after the reduction was 70%. In this case, the loan was qualified with a 75% LTV. <br>| 03/29/2022: Guidelines state that up to 10% of the units for a loan may be compromised of units which are currently vacant. In this case, xxxxxx properties are vacant exceeding the 10%. <br> 04/02/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 762868 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 768 | 75.00% | xxxxxx | xxxxxx | Property | Appraisal | The market rent schedule is missing from the appraisal for the property located at xxxxxx and xxxxxx. | 03/29/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| 762868 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 768 | 75.00% | xxxxxx | xxxxxx | Credit | Note | The note in file indicates the loan has an interest only period, however the interest only period is not listed on the note. | 04/02/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 764196 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 791 | 75.00% | xxxxxx | xxxxxx | Credit | Final 1003 | The final loan application is missing from the loan file. | 3/28/2022: The application provided was not signed. Provide a signed copy of the final 1003. <br> 04/01/2022: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| 764196 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 791 | 75.00% | xxxxxx | xxxxxx | Credit | AUS/Loan Approval | The 1008 and/or loan approval is missing from the loan file. | 03/28/2022: Document provided to clear condition. |  | Cleared Exception D B | 1 |
| 764196 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 791 | 75.00% | xxxxxx | xxxxxx | Credit | Borrower Eligibilty | According to the underwriting guidelines, the maximum cash-in-hand allowed for cross collateral loans with a LTV over 70% is xxxxxx. In this case the cash out amount is $620,685.25, and there is an exception request that was satisfied for a cash out amount of $625,000 in the loan file. | Client waived exception with compensating factors. | Credit Score - 791 Fico is 50+ more than required. , Months Of Reserves - 63 months of reserves. | Client waives with compensating factors D B | 2 |
| 765792 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 692 | 65.00% | xxxxxx | xxxxxx | Credit | Borrower ID | A copy of the borrower's ID is missing from the loan file. | 04/28/2022: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 765792 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 692 | 65.00% | xxxxxx | xxxxxx | Credit | Credit | An automated fraud and data tool check is missing from the loan file.  | 04/28/2022: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 765792 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 692 | 65.00% | xxxxxx | xxxxxx | Credit | Credit - Eligiblity | The Borrower Contact Consent form is missing from the loan file. | Client waived exception with compensating factors. | Credit Score - Qualifying score is 692, minimum required 660, LTV - LTV is 65%, maximum required is 70% | Client waives with compensating factors B | 2 |
| 765792 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 692 | 65.00% | xxxxxx | xxxxxx | Credit | VOM | A 12 month housing history of the borrower's primary residence is missing from the loan file. | 04/28/2022: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 765792 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 692 | 65.00% | xxxxxx | xxxxxx | Property | Appraisal | The appraisal review product for each subject property is missing from the loan file.  | 04/28/2022: The document provided is not appraisal an review. Provide an appraisal review product for each of subject properties. <br> 05/02/2022: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 765792 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 692 | 65.00% | xxxxxx | xxxxxx | Credit | Title | The tax cert for each subject property is missing from the loan file.  | 04/28/2022: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 765792 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 692 | 65.00% | xxxxxx | xxxxxx | Credit | Leasehold Agreement | The lease agreements for each subject property is missing from the loan file. | 04/28/2022: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 765792 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 692 | 65.00% | xxxxxx | xxxxxx | Credit | Hazard Insurance | The proof of hazard insurance for xxxxxx is missing from the loan file. | 04/28/2022: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 765792 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Attached | 692 | 65.00% | xxxxxx | xxxxxx | Credit | Title Commitment | A 24 month chain of title for each subject property is missing from the loan file.  | 04/28/2022: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 766018 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 790 | 75.00% | xxxxxx | xxxxxx | Credit | Credit | Per guidelines, A current mortgage/rental history is required for all xxxxxx programs. Current means the borrower has made all mortgage payments due in the month prior to the note date. In this case the last payment made to xxxxxx mortgage was made on xxxxxx and the note date is xxxxxx. A credit supplement showing the payment is current is missing from the file. | 03/18/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 766504 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 714 | 75.00% | xxxxxx | xxxxxx | Credit | 1008 | The 1008 and/or Approval is missing from the loan file.  | 5/2/2022: Documentation received to clear condition. |  | Cleared Exception A | 1 |
| 767139 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 800 | 75.00% | xxxxxx | xxxxxx | Credit | Borrower Eligibilty | According to the underwriting guidelines, First Time Homebuyers are not eligible for Investment properties. In this case, there is no documentation of borrower owning any property within the past 3 years in the loan file. | 03/23/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 767139 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 800 | 75.00% | xxxxxx | xxxxxx | Credit | Credit | According to the underwriting guidelines, an automated fraud and data tool check is required in the loan file. In this case, the document is missing.  | 03/21/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| 767300 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 807 | 79.87% | xxxxxx | xxxxxx | Credit | Asset Verification | According to the underwriting guidelines, the assets required for a single investment property is 2 months reserve requirement. In this case the assets provided in the loan file do not meet the requirements. | 4/6/2022 Documentation to clear condition not received. Initial 1003 shows gift funds of $75,395 that is not listed on final 1003 and there is no documentation of gift funds in file.<br> 4/13/2022 There is no documentation in the file supporting the gift funds of $75,395. Per guidelines, the lender must verify that sufficient funds to cover the gift are either in the donor's account or have been transferred to the borrower's account and reflected on the most recent bank statement.<br> 4/14/2022. Must provide account statement showing deposit of $75,395 to borrower's account. |  | Cleared Exception B | 1 |
| 767300 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 807 | 79.87% | xxxxxx | xxxxxx | Credit | Eligibilty | One minority member is not credit qualifying or signing a personal guarantee for xxxxxx, 5% owner. | Client waived exception with compensating factors. | Credit Score - Qualifying score is 807, Reserves - 23 months Reserves | Client waives with compensating factors B | 2 |
| 767300 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 807 | 79.87% | xxxxxx | xxxxxx | Credit | Borrower Eligibilty | According to the underwriting guidelines, the maximum allowed LTV for a first-time investor is 75%. In this case the LTV is calculated at 79.87%. | Client waived exception with compensating factors. | Credit Score - Qualifying score is 807, Reserves - 23 months Reserves | Client waives with compensating factors B | 2 |
| 767834 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 777 | 77.92% | xxxxxx | xxxxxx | Credit | Note | The Prepayment Addendum which is referenced on the note is missing from the loan file. | 04/04/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 767834 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 777 | 77.92% | xxxxxx | xxxxxx | Credit | Asset Verification | The assets provided from xxxxxx acct #xxxxxx are from a business bank account. The supporting documents showing borrower is owner of the business is missing from the loan file. | 4/20/2022: Per guidelines, business accounts may be considered for assets. The amount of business assets that may be utilized is limited to the borrower's ownership percentage in the business. Attached documents list borrower as officer in business, however, does not give percentage of ownership. Must provide documentation showing how much ownership borrower has in business.<br> 4/22/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| 767834 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 777 | 77.92% | xxxxxx | xxxxxx | Credit | Credit - Eligiblity | The Borrower Certification of Business Purpose form is missing from the loan file.  | 04/04/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 767835 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 777 | 74.38% | xxxxxx | xxxxxx | Credit | Borrower ID | The Borrower's ID is missing from the loan file. | 04/04/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 767835 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 777 | 74.38% | xxxxxx | xxxxxx | Credit | Note | The Prepayment Addendum which is referenced on the note is missing from the loan file. | 04/04/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 767835 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 777 | 74.38% | xxxxxx | xxxxxx | Credit | Credit - Eligiblity | The Borrower's Certification of Business Purpose form is missing from the loan file.  | 04/04/2022: Documentation provided to cure. |  | Cleared Exception A | 1 |
| 767835 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 777 | 74.38% | xxxxxx | xxxxxx | Credit | Asset Verification | The xxxxxx account #xxxxxx is a business bank account. The documentation showing borrower is the owner of this business is missing from the loan file. | 4/20/2022: Attached documents shows borrower as president however, does not give percentage of ownership. Per guidelines, business accounts may be considered for assets. The amount of business assets that may be utilized is limited to the borrower's ownership percentage in the business.<br> 4/22/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| 767971 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 776 | 49.41% | xxxxxx | xxxxxx | Credit | Leasehold Agreement | The lease agreement is missing from the loan file. | 4/29/2022: Documentation received to clear condition. |  | Cleared Exception B | 1 |
| 767971 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 776 | 49.41% | xxxxxx | xxxxxx | Credit | Credit - Eligiblity | The Borrower Certification of Business Purpose form is missing from the loan file.  | 4/26/2022: Documentation received to clear condition. |  | Cleared Exception B | 1 |
| 767971 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 776 | 49.41% | xxxxxx | xxxxxx | Credit | Credit - Eligiblity | The Borrower Contact Consent form is missing from the loan file. | Client waived exception with compensating factors. | Credit Score - 700 minimum Fico required. Qualifying scores of 776 and 793., LTV - Low LTV of 49.41% | Client waives with compensating factors B | 2 |
| 767971 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 776 | 49.41% | xxxxxx | xxxxxx | Credit | Rental Income | Per guidelines, if subject property leased on a short-term basis utilizing an on-line service such as xxxxxx, a screen shot of the online listing must show the property is activity marketed as a short-term rental. Must provide. | 5/3/2022: Documentation received to clear condition. |  | Cleared Exception B | 1 |
| 768183 | xxxxxx | xxxxxx | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 680 | 29.93% | xxxxxx | xxxxxx | Credit | Credit | According to the guidelines, All mortgage accounts must be current at application and remain paid as agreed through closing. Per the credit report, the DLA for xxxxxx is xxxxxx. In this case the file is missing a credit suppliment to verify the account is current to the note date of xxxxxx | Documentation provided to clear condition. |  | Cleared Exception A | 1 |
| 768183 | xxxxxx | xxxxxx | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 680 | 29.93% | xxxxxx | xxxxxx | Credit | Credit - Eligiblity | According to the underwriting guidelines, all loans must acknowledge that the loan is a business purpose loan by completing and signing the appropriate sections of the "Borrower Certification of Business Purpose" form in the loan file. The required document is not included. | 4/14/2022: Documentation received to clear condition. |  | Cleared Exception A | 1 |
| 768648 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Two-Unit Property | 800 | 50.00% | xxxxxx | xxxxxx | Credit | Credit - Eligiblity | Borrower's Contact consent form is missing from the loan file. | Client waived exception with compensating factors. | LTV - The LTV of 50% is 25% lower than maximum allowed of 75%., Credit Score - The credit score of 800 is 200 points higher than the minimum allowed of 600. | Client waives with compensating factors B | 2 |
| 768725 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 791 | 70.00% | xxxxxx | xxxxxx | Credit | LTV | According to the guidelines, the max LTV for short term rentals (xxxxxx) is 65%. Max Cash out for LTV 65% or greater is xxxxxx. In this case the LTV is 70% and the cash out proceeds are xxxxxx. | Client waived exception with compensating factors. | Credit Score - Credit Score 30 + points> minimum required, Prior Housing History - Experienced investor owns 4 properties , Reserves - Reserves exceed requirement by 10 months or more. | Client waives with compensating factors B | 2 |
| 768725 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 791 | 70.00% | xxxxxx | xxxxxx | Credit | Borrower Eligibilty | According to the final 1003, the borrower is a permanent resident alien. The file is missing evidence of permanent residency. | 4/20/2022: Permanent Residence Card received expired xxxxxx. Must provide Permanent Residence Card that does not have an expiration date. If it has an expiration date, must be accompanied by a copy of the file INS form I-751.<br> 4/26/2022: I-90 form that was attached to show borrower applied for replacement card is dated xxxxxx is over a year ago. This does not sufficient to clear condition. <br> 04/28/2022: Updated residence card replacement form has not been uploaded to the loan file. <br> 5/5/2022; Client waived exception with compensating factors. | Credit Score - Credit Score 30 + points> minimum required, Prior Housing History - Experienced investor owns 4 properties , Reserves - Reserves exceed requirement by 10 months or more. | Client waives with compensating factors B | 2 |
| 768725 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 791 | 70.00% | xxxxxx | xxxxxx | Credit | 1008 | Form 1008 or underwriter approval document is not included in the loan file for a manually underwritten loan. | 4/20/2022: Documentation received to clear condition. |  | Cleared Exception B | 1 |
| 769530 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 783 | 80.00% | xxxxxx | xxxxxx | Credit | VOM | The Verification of Mortgage (VOM) and/or 12 month mortgage payment history for the borrower's primary residence xxxxxx is missing from the loan file. | 07/11/2022: Document provided to clear condition. |  | Cleared Exception D B | 1 |
| 769530 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 783 | 80.00% | xxxxxx | xxxxxx | Property | Appraisal - Subject and Improvements | An appraisal 442 Certification is missing from the loan file for xxxxxx as the appraisal was subject to repairs.  | 6/14/2022: Documentation received to clear condition. |  | Cleared Exception D B | 1 |
| 769530 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 783 | 80.00% | xxxxxx | xxxxxx | Credit | 1008 | Form 1008 document is not included in the loan file for a manually underwritten loan. | 06/13/2022: Document provided to clear condition. |  | Cleared Exception D B | 1 |
| 769530 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 783 | 80.00% | xxxxxx | xxxxxx | Credit | Initial 1003 | The initial 1003 and or final 1003 is missing from the loan file. | 6/9/2022: Reviewed attached documents. 07/11/2022: Document provided to clear condition. |  | Cleared Exception D B | 1 |
| 769530 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 783 | 80.00% | xxxxxx | xxxxxx | Credit | Asset Verification | According to the underwriting guidelines, 6 months of reserves are required for a cross collateral loan. In this case, the assets provided in the loan file do not meet the reserve requirement. | 06/13/2022: Document provided to clear condition. |  | Cleared Exception D B | 1 |
| 769530 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 783 | 80.00% | xxxxxx | xxxxxx | Credit | Credit - Eligiblity | The Borrower's Contact Consent form is missing from the loan file. | Client waived exception with compensating factors. | Credit Score - Qualifying score is 783, guidelines is 700., Months Of Reserves - DSCR score of 1.99 | Client waives with compensating factors D B | 2 |
| 769530 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 783 | 80.00% | xxxxxx | xxxxxx | Credit | Title | The tax certs are missing from the loan file.  | 06/13/2022: Document provided to clear condition. |  | Cleared Exception D B | 1 |
| 769530 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 783 | 80.00% | xxxxxx | xxxxxx | Credit | Borrower Eligibilty | Evidence of borrower owning and managing xxxxxx or residential real estate for at least 1 year in the last 3 years is missing from the loan file. | 07/08/2022: Document provided to clear condition. |  | Cleared Exception D B | 1 |
| 769530 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Single Family Detached | 783 | 80.00% | xxxxxx | xxxxxx | Credit | Credit | According to the underwriting guidelines, the minimum square feet for a single family property is xxxxxx per unit. In this case, xxxxxx has only xxxxxx sq. ft. | 07/11/2022: Client waived exception with compensating factors allowing the square footage. | Credit Score - Qualifying score is 783, guidelines is 700., Months Of Reserves - DSCR score of 1.99 | Client waives with compensating factors D B | 2 |
| 770574 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 748 | 49.69% | xxxxxx | xxxxxx | Credit | VOM | According to the guidelines, all mortgages reporting on credit need to be current to the note date. In this case the last payment made to xxxxxx was made on xxxxxx. The note date is xxxxxx and the file is missing a credit supplement | 07/20/2022: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 770574 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 748 | 49.69% | xxxxxx | xxxxxx | Credit | Condo/PUD | According to the guidelines, All Loan secured by condominium projects require a completed Homeowners Association (HOA) questionnaire. In this case this file is missing the questionnaire. | 7/14/2022: Document provided to clear condition. |  | Cleared Exception B | 1 |
| 770574 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 748 | 49.69% | xxxxxx | xxxxxx | Credit | Credit - Eligiblity | According to the underwriting guidelines, on the DSCR program, the borrower must acknowledge that the loan is a business purpose loan by completing and signing the Business Purpose Certification form which is missing from the loan file as well as the borrowers occupancy certification | 7/14/2022: Document provided to clear condition. |  | Cleared Exception B | 1 |
| 770574 | xxxxxx | xxxxxx | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 748 | 49.69% | xxxxxx | xxxxxx | Credit | Credit - Eligiblity | The borrowers contact consent form is missing from the loan file. | Client waived exception with compensating factors. | Months Of Reserves - Minimum reserve requirement is 2 months. The borrower has 185 months reserves, LTV - LTV is 50%. , Credit Score - Credit Score is 748 | Client waives with compensating factors B | 2 |
| **16** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 765789 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | 5-10 Unit Multi-Family | 794 | 75.00% | xxxxxx |  |  |  |  |  |  | A |  |
| 769025 | xxxxxx | xxxxxx | Purchase | Non-Owner Occupied | Condo Attached | 680 | 75.00% | xxxxxx |  |  |  |  |  |  | A |  |
| **2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.16

**EXHIBIT 99.16**

**CRES rating agency grades report**

**Rating Agency Grades: 1/23/2023** 

---

| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| 762362 | xxxxxx | xxxxxx B |
| 762868 | xxxxxx | xxxxxx |
| 764196 | xxxxxx | xxxxxx D B |
| 765789 | xxxxxx | xxxxxx |
| 765792 | xxxxxx | xxxxxx B |
| 766018 | xxxxxx | xxxxxx |
| 766504 | xxxxxx | xxxxxx |
| 767139 | xxxxxx | xxxxxx |
| 767300 | xxxxxx | xxxxxx B |
| 767834 | xxxxxx | xxxxxx |
| 767835 | xxxxxx | xxxxxx |
| 767971 | xxxxxx | xxxxxx B |
| 768183 | xxxxxx | xxxxxx |
| 768648 | xxxxxx | xxxxxx B |
| 768725 | xxxxxx | xxxxxx B |
| 769025 | xxxxxx | xxxxxx |
| 769530 | xxxxxx | xxxxxx D B |
| 770574 | xxxxxx | xxxxxx B |

---

## Exhibit 99.17

**EXHIBIT 99.17**

**CRES rating agency TAPE COMPARE report**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TPR Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| 770574 | xxxxxx | 45.7143 | 49.6894 | LTV | 3.9751 | Yes |
| 770574 | xxxxxx | 45.7143 | 49.6894 | CLTV | 3.9751 | Yes |
| 768183 | xxxxxx | xxxxxx | xxxxxx | Original Balance | xxxxxxx | Yes |
| 766504 | xxxxxx | xxxxxx | xxxxxx | Appraised Value | xxxxxxx | Yes |
| 767835 | xxxxxx | 6.375 | 5.5 | Interest Rate | -0.875 | Yes |
| 766504 | xxxxxx | 701 | 714 | FICO | 13 | Yes |
| 768183 | xxxxxx | 689 | 680 | FICO | -9 | Yes |
| 769530 | xxxxxx | 773 | 783 | FICO | 10 | Yes |
| 765789 | xxxxxx | 5 yr Hybrid | ARM | Note Type | Yes | Yes |
| 768183 | xxxxxx | xxxxxx | xxxxxx | Property Zip | Yes | Yes |

---

## Exhibit 99.18

**EXHIBIT 99.18**

**CRES ATR QM DATA FIELDS**

![](tm234610d1_ex99-18img001.jpg)

**ATR QM Data Fields**

Loans in Report: 18

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| 762362 | xxxxxx | Not covered/exempt | No | No |
| 762868 | xxxxxx | Not covered/exempt | No | No |
| 764196 | xxxxxx | Not covered/exempt | No | No |
| 765789 | xxxxxx | Not covered/exempt | No | No |
| 765792 | xxxxxx | Not covered/exempt | No | No |
| 766018 | xxxxxx | Not covered/exempt | No | No |
| 766504 | xxxxxx | Not covered/exempt | No | No |
| 767139 | xxxxxx | Not covered/exempt | No | No |
| 767300 | xxxxxx | Not covered/exempt | No | No |
| 767834 | xxxxxx | Not covered/exempt | No | No |
| 767835 | xxxxxx | Not covered/exempt | No | No |
| 767971 | xxxxxx | Not covered/exempt | No | No |
| 768183 | xxxxxx | Not covered/exempt | No | No |
| 768648 | xxxxxx | Not covered/exempt | No | No |
| 768725 | xxxxxx | Not covered/exempt | No | No |
| 769025 | xxxxxx | Not covered/exempt | No | No |
| 769530 | xxxxxx | Not covered/exempt | No | No |
| 770574 | xxxxxx | Not covered/exempt | No | No |
| **18** |  |  |  |  |

---

## Exhibit 99.19

**EXHIBIT 99.19**

**CRES RATING AGENCY VALUATION report**

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Seller Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| 762362 | xxxxxx | xxxxxx | xxxxxx | 75.00% | Appraised Value |  | xxxxxx | 12/17/2021 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 12/28/2021 |  |  |  |  |  |  |  |
| 762868 | xxxxxx | xxxxxx | xxxxxx | 75.00% | Appraised Value |  | xxxxxx | 1/25/2022 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 1/31/2022 |  |  |  |  |  |  |  |
| 764196 | xxxxxx | xxxxxx | xxxxxx | 75.00% | Appraised Value |  | xxxxxx | 11/20/2021 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 1/26/2022 |  |  |  |  |  |  |  |
| 765789 | xxxxxx | xxxxxx | xxxxxx | 75.00% | Sale Price | xxxxxx | xxxxxx | 1/7/2022 |  |  |  |  |  |  | xxxxxx | xxxxxx | 4.24% | ClearCapital | 1/27/2022 |  |  |  |  |  |  |  |  |  |  |  |  |
| 765792 | xxxxxx | xxxxxx | xxxxxx | 65.00% | Appraised Value |  | xxxxxx | 1/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 Fannie Mae | 1/27/2022 |
| 766018 | xxxxxx | xxxxxx | xxxxxx | 75.00% | Appraised Value | xxxxxx | xxxxxx | 2/2/2022 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 2/7/2022 |  |  |  |  |  | 2.6 Fannie Mae | 2/3/2022 |
| 766504 | xxxxxx | xxxxxx | xxxxxx | 75.00% | Sale Price | xxxxxx | xxxxxx | 3/10/2022 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 3/23/2022 |  |  |  |  |  |  |  |
| 767139 | xxxxxx | xxxxxx | xxxxxx | 75.00% | Appraised Value | xxxxxx | xxxxxx | 2/1/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | 2/16/2022 |
| 767300 | xxxxxx | xxxxxx | xxxxxx | 79.87% | Appraised Value | xxxxxx | xxxxxx | 3/4/2022 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 3.73% | ClearCapital | 3/9/2022 |  |  |  |  |  |  |  |
| 767834 | xxxxxx | xxxxxx | xxxxxx | 77.92% | Appraised Value | xxxxxx | xxxxxx | 1/28/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | 3/14/2022 |
| 767835 | xxxxxx | xxxxxx | xxxxxx | 74.38% | Appraised Value | xxxxxx | xxxxxx | 1/28/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 Fannie Mae | 3/14/2022 |
| 767971 | xxxxxx | xxxxxx | xxxxxx | 49.41% | Appraised Value |  | xxxxxx | 2/24/2022 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 3/27/2022 |  |  |  |  |  | 5 Fannie Mae | 4/4/2022 |
| 768183 | xxxxxx | xxxxxx | xxxxxx | 29.93% | Appraised Value |  | xxxxxx | 3/21/2022 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 3/29/2022 |  |  |  |  |  | 5 Fannie Mae | 3/28/2022 |
| 768648 | xxxxxx | xxxxxx | xxxxxx | 50.00% | Appraised Value | xxxxxx | xxxxxx | 4/4/2022 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 4.00% | ClearCapital | 4/11/2022 |  |  |  |  |  | Fannie Mae | 4/6/2022 |
| 768725 | xxxxxx | xxxxxx | xxxxxx | 70.00% | Appraised Value |  | xxxxxx | 3/2/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | 3/31/2022 |
| 769025 | xxxxxx | xxxxxx | xxxxxx | 75.00% | Appraised Value | xxxxxx | xxxxxx | 3/23/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | 3/28/2022 |
| 769530 | xxxxxx | xxxxxx | xxxxxx | 80.00% | Appraised Value | xxxxxx | xxxxxx | 2/12/2022 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.15% | Situs Amc | 3/11/2022 |  |  |  |  |  |  |  |
| 770574 | xxxxxx | xxxxxx | xxxxxx | 49.69% | Sale Price | xxxxxx | xxxxxx | 5/6/2022 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.00 | 0.00% | ClearCapital | 5/13/2022 |  |  |  |  |  |  |  |

---

## Exhibit 99.20

**EXHIBIT 99.20**

#### Infinity Ips, Inc. (Infinity) Executive Summary
![](image_010.jpg)

**TABLE OF CONTENTS**

 ****

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 8.0 |
| Tape Integrity Review Results Summary | 9.0 |
| Additional Loan Population Summary | 9.0 |

---

 ****

1 \| Page

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

2 \| Page

**Description of the due diligence performed**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by VMC Asset Pooler, LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of fifty-seven (57) mortgage loans that were originally reviewed from February 2022 to December 2022.

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

The mortgage loan review was broken down into the following review scopes:

▪ "Compliance Review": 0 Mortgage Loans

▪ "Credit Review": 57 Mortgage Loans

▪ "Property Review" 57 Mortgage Loans

▪ "Data Integrity" 57 Mortgage Loans

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

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

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

For fifty-seven (57) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

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

Infinity conducted a credit review for fifty-seven (57) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

3 \| Page

There were 6 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

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

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

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

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

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

**Guideline Review:** During the course of the review, Infinity confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the

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

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

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

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

**Business Purpose/DSCR Scope:** Infinity conducted business purpose/property focused Investor review for fifty-seven (57) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loan with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed 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, (v) reviewed 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, (vi) reviewed 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), (vii) reviewed 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, (viii) confirmed, if applicable, business

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license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed 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 (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified 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, (xiii) compared 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, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for fifty-seven (57) mortgage loans. For these fifty-seven (57) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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

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

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

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was directly accessible to Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

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

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

A compliance review was not performed because the loans are exempt.

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSRO listed in Item 3 of the ABS Due Diligence 15E, Kroll Bond Rating Agency, LLC ("Kroll") and S&P Global Ratings ("S&P").

**OVERALL RESULTS SUMMARY (57 Mortgage Loans)**

Infinity's review to NRSRO grading requirements covers fifty-seven (57) mortgage loans. Within those mortgage loans, Infinity graded forty (40) mortgage loans as "A" and seventeen (17) mortgage loan as "B".

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Kroll Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;40 | &nbsp;&nbsp;57 | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;17 | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Kroll Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;70.18% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;70.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;29.82% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;29.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;40 | &nbsp;&nbsp;57 | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;17 | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;70.18% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;70.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;29.82% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;29.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY (57 Mortgage Loans)**

Of the fifty-seven (57) mortgage loans reviewed, 9 (15.79%) mortgage loans had tape discrepancies across four (4) unique data fields.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Variances** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% # Loans** |
| &nbsp;&nbsp;B1 Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;57 | &nbsp;&nbsp;1.75% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;57 | &nbsp;&nbsp;10.53% |
| &nbsp;&nbsp;Loan Documentation Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;57 | &nbsp;&nbsp;1.75% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;57 | &nbsp;&nbsp;1.75% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (57 Mortgage Loans)**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;55 | &nbsp;&nbsp;96.49% | &nbsp;&nbsp;$22488786.00 | &nbsp;&nbsp;96.07% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.51% | &nbsp;&nbsp;$919000.00 | &nbsp;&nbsp;3.93% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23407786.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$23407786.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23407786.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;24 | &nbsp;&nbsp;42.11% | &nbsp;&nbsp;$10463700.00 | &nbsp;&nbsp;44.70% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;$864650.00 | &nbsp;&nbsp;3.69% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;26 | &nbsp;&nbsp;45.61% | &nbsp;&nbsp;$10846186.00 | &nbsp;&nbsp;46.34% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.02% | &nbsp;&nbsp;$1233250.00 | &nbsp;&nbsp;5.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23407786.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;29 | &nbsp;&nbsp;50.88% | &nbsp;&nbsp;$15260850.00 | &nbsp;&nbsp;65.19% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;26 | &nbsp;&nbsp;45.61% | &nbsp;&nbsp;$7459186.00 | &nbsp;&nbsp;31.87% |
| &nbsp;&nbsp;480 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.51% | &nbsp;&nbsp;$687750.00 | &nbsp;&nbsp;2.94% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23407786.00** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$23407786.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23407786.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

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| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;XX NonQM Investor Eligibility Guidelines v3.8 |
| &nbsp;&nbsp;XX NonQM Investor Eligibility Guidelines v4.0 (Marked-up) |
| &nbsp;&nbsp;XX NonQM Product Matrices v3.9 (Marked-up) |
| &nbsp;&nbsp;XX NonQM Product Matrices v3.14 |
| &nbsp;&nbsp;XXX_Correspondent-Seller-Guide-Non-QM-2022-08-29 |
| &nbsp;&nbsp;XX NonQM Eligibility Guidelines v3.13 |

---

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## Exhibit 99.21

**EXHIBIT 99.21**

**INFINITY FINDINGS DETAIL REPORT**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna ID** | **Loan Number 1** | **Verus ID** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| xxxxxx | xxxxxx | 777713 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Other Disclosures | xxxxxx | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide the mortgage statement these address xxxxxx.<br>09/14/2022 - Mortgage statement received. Hence, exception is resolved. | 09/14/2022 - Mortgage statement received. Hence, exception is resolved. | 09/14/2022 - Mortgage statement received. Hence, exception is resolved. |  |  | QC Complete | 01/11/2023 | 01/11/2023 | 01/11/2023 | xxxxxx |
| xxxxxx | xxxxxx | 777713 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception approval available in the file except with xxxxxx Occupancy rate 62% (minimum required is 65%). |  |  | FICO Score: 727<br>60+ mos reserves: $279,543.71<br>Experienced investor<br>Clean housing history |  | QC Complete | 01/11/2023 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 776643 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception approval:: Exception to 75% LTV |  |  | PITI reserves; 12 months <br>Credit Score: 672<br>Reserves: $34,860.48 |  | QC Complete | 11/29/2022 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 775895 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrower does not own primary residence and deeded his primary residence to his wife. According to guidelines, first time investor must have ownership of a primary residence.<br>Exception approval letter is available in the loan file. |  |  | Good credit (FICO: 714) with a history of investment property ownership (number of properties owned 7).<br>Purchase an investment property under the DSCR program (DSCR: 1.07).<br>|  | QC Complete | 07/29/2022 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 776759 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception for loan amount xxxxxx due to the value |  |  | Borrower's seasoning investor with deep experience (Borrower owns 4 rental properties, two of which have 41 months AA mortgage rating, one has 14+ months AA rating. Subject property owned free & clear prior to this transaction)<br>AA mortgage ratings on all REO's<br>56 months reserves at closing: $74,060.75 |  | QC Complete | 01/11/2023 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 777368 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | As per lender guideline Maximum LTV 75% , however in this loan LTV is 80%<br>LTV Exception From 75 % To 80% to meet Minimum xxxxxx Loan amount. |  |  | DSCR Ratio >1.25: 1.49<br>FICO: 702<br>Reserves: $57,286.36 |  | QC Complete | 01/11/2023 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 777331 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception Request: 5% LTV request to get LTV to 75 % <br>Reason being requested: Borrowers have limited trade lines and LTV is limited to 70% |  |  | DSCR Ratio:- 1.56<br>Credit Score:- 723 |  | QC Complete | 01/11/2023 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 777331 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Credit | xxxxxx | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | As per Loan Package Deed of Trust present in the file, however DOT pages are not legible properly.<br>09/08/2022 - Condition is Resolved, copies are blurry but legible enough to complete the review. | 09/08/2022 - Condition is Resolved, copies are blurry but legible enough to complete the review. | 09/08/2022 - Condition is Resolved, copies are blurry but legible enough to complete the review. |  |  | QC Complete | 01/11/2023 | 01/11/2023 | 01/11/2023 | xxxxxx |
| xxxxxx | xxxxxx | 777331 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Doc Issue | xxxxxx | Resolved | 3 | R | \* Note data is missing or inaccurate (Lvl R) | As per Loan Package Note document present in the file, however Note details are not legible properly.<br>09/08/2022 - Condition is Resolved, copies are blurry but legible enough to complete the review. | 09/08/2022 - Condition is Resolved, copies are blurry but legible enough to complete the review.  | 09/08/2022 - Condition is Resolved, copies are blurry but legible enough to complete the review.  |  |  | QC Complete | 01/11/2023 | 01/11/2023 | 01/11/2023 | xxxxxx |
| xxxxxx | xxxxxx | 777331 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Credit | xxxxxx | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | As per Loan Package Final 1003 presented in the file however, Final 1003 Pages are not legible properly.<br>09/08/2022 - Condition is Resolved, copies are blurry but legible enough to complete the review. | 09/08/2022 - Condition is Resolved, copies are blurry but legible enough to complete the review. | 09/08/2022 - Condition is Resolved, copies are blurry but legible enough to complete the review. |  |  | QC Complete | 01/11/2023 | 01/11/2023 | 01/11/2023 | xxxxxx |
| xxxxxx | xxxxxx | 777597 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception approval available in the file except with Exception to forego housing history on borrower co-borrower is documented. |  |  | Co-borrower is the strength of the transaction with a history of investment property management<br>Cash-out a lien free investment property under DSCR program<br>Borrower has 3 investment properties and has a 24 month property management history<br>Credit Score: 726 |  | QC Complete | 11/29/2022 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 777595 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | xxxxxx | Waived | 2 | W | \* Required Documentation Missing or Incomplete (Lvl W) | Property was recently purchased on xxxxxx with sales price of xxxxxx. Appraisal dated xxxxxx shows appraised value xxxxxx. Appraised value instead of the recent purchase price due to renovation/home improvements was used for LTV.<br>Exception approval letter is available in the loan file. |  |  | DSCR ratio: 1.45<br>Credit Score: 792 <br>Low LTV: 70%<br>Acceptable UCDP Score: 2.5<br>|  | QC Complete | 01/19/2023 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 777595 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Doc Issue | xxxxxx | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Amount of insurance ($105000) in the title document is less than the loan amount xxxxxx please provide the supplementary report.<br>09/08/2022 - Amount of insurance received as $xxxxxx. Hence, exception is resolved. | 09/08/2022 - Amount of insurance received as $xxxxxx. Hence, exception is resolved. | 09/08/2022 - Amount of insurance received as $xxxxxx. Hence, exception is resolved. |  |  | QC Complete | 01/19/2023 | 01/19/2023 | 01/19/2023 | xxxxxx |
| xxxxxx | xxxxxx | 777595 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrower does not own primary residence and is living rent free. According to guidelines, first time investor must have ownership of a primary residence.<br>Exception approval letter is available in the loan file |  |  | DSCR ratio: 1.45<br>Credit Score: 792 <br>Low LTV: 70% |  | QC Complete | 01/19/2023 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 777649 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | xxxxxx | Resolved | 3 | R | \* Missing proof of hazard insurance (Lvl R) | Hazard insurance is missing in the package provide a copy of hazard insurance.<br>09/14/2022 - Hazard insurance received. Hence, exception is resolved. | 09/14/2022 - Hazard insurance received. Hence, exception is resolved. | 09/14/2022 - Hazard insurance received. Hence, exception is resolved. |  |  | QC Complete | 09/08/2022 | 09/14/2022 | 09/14/2022 | xxxxxx |
| xxxxxx | xxxxxx | 777332 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | xxxxxx | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CDA value is xxxxxx and appraisal value is xxxxxx. However variance is -22.857% which is above 10% on negative side and an additional review is needed to cure.<br>08/31/2022 - We have received rebuttal document and Lower Desk Review for the Value for LTV is used so this is acceptable. Hence, exception is resolved. | 08/31/2022 - We have received rebuttal document and Lower Desk Review for the Value for LTV is used so this is acceptable. Hence, exception is resolved. | 08/31/2022 - We have received rebuttal document and Lower Desk Review for the Value for LTV is used so this is acceptable. Hence, exception is resolved. |  |  | QC Complete | 08/25/2022 | 08/31/2022 | 08/31/2022 | xxxxxx |
| xxxxxx | xxxxxx | 780611 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | xxxxxx | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Lease agreements for all 6 units on the transaction is expired. Provide currently active lease agreements for all units mentioned below as it is required for determining the DSCR value.<br>1. xxxxxx<br> 2. xxxxxx<br> 3. xxxxxx<br> 4. xxxxxx<br> 5. xxxxxx<br> 6. xxxxxx<br>11/15/2022 - All the Rental Agreements are month to month basis and therefore all agreements provided are valid. Hence, exception is resolved. | 11/15/2022 - All the Rental Agreements are month to month basis and therefore all agreements provided are valid. Hence, exception is resolved. | 11/15/2022 - All the Rental Agreements are month to month basis and therefore all agreements provided are valid. Hence, exception is resolved. |  |  | QC Complete | 11/09/2022 | 11/15/2022 | 11/15/2022 | xxxxxx |
| xxxxxx | xxxxxx | 777709 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Credit | xxxxxx | Resolved | 3 | R | \* Missing Final 1003_Application (Lvl R) | As per lender guideline minimum 2 Years of Housing history required; however, as per Final 1003 housing history is provided for 1 Year & 4 months.<br>09/19/2022 - Not Resolved - As per Final 1003 received borrower has ownership in the property where he is leaving from 1 Year & 4 months. Before this borrower was on rent for 4 months so we will are still missing 4 months history and VOR to verify the rent history.<br>09/20/2022 - As per Final 1003 received borrower has ownership in the property where he is leaving from 1 Year & 4 months. Before this borrower was on rent for 8 months so 2 years of housing history is meeting. Hence, exception is resolved. | 09/20/2022 - As per Final 1003 received borrower has ownership in the property where he is leaving from 1 Year & 4 months. Before this borrower was on rent for 8 months so 2 years of housing history is meeting. Hence, exception is resolved. | 09/20/2022 - As per Final 1003 received borrower has ownership in the property where he is leaving from 1 Year & 4 months. Before this borrower was on rent for 8 months so 2 years of housing history is meeting. Hence, exception is resolved. |  |  | QC Complete | 01/11/2023 | 01/11/2023 | 01/11/2023 | xxxxxx |
| xxxxxx | xxxxxx | 777709 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception approval form is present in file with exception for DSCR less than 1, USE NEW, 8/15/22, GUIDELINES TO PERMIT 75% LTV W/DSCR <1.00. |  |  | First Time Investor Purchasing An Investment Property Under The DSCR Program.<br>Qualifying credit score: 726<br>AA mortgage rating on Primary residence<br>Reserves: $20,418 (over 7 months) |  | QC Complete | 01/11/2023 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 779151 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | This loan has FICO of 641 and DSCR of less than 1. However, According to guidelines, cash-out not permitted with FICO is 641 and DSCR is less than 1.<br>Exception approval letter is available in the loan file. |  |  | 18+ months Reserves: $93,438.28.<br>Low LTV: 60%<br>84 month AA mortgage history with minimum 24 month AA ratings<br>Seasoned/Experienced Investor |  | QC Complete | 10/19/2022 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 778697 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 3 | 2 | Valuation | Doc Issue | xxxxxx | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Appraisal document present in the file, however appraisal document pages are not scanning properly,There no subject property xxxxxx and Appraisal company name also<br>09/27/2022 - Not Resolved - Received same appraisal which was received in loan package.<br>10/05/2022 - Appraisal received. Hence, exception is resolved. | 10/05/2022 - Appraisal received. Hence, exception is resolved. | 10/05/2022 - Appraisal received. Hence, exception is resolved. |  |  | QC Complete | 10/19/2022 | 10/19/2022 | 10/19/2022 | xxxxxx |
| xxxxxx | xxxxxx | 778697 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception for not meeting delayed refinancing. Borrower used funds from HELOC pulled from primary residence. |  |  | Qualifying credit score; 793 <br>Experienced Investor- borrower owns/manages 7 rental properties; AA mortgage ratings for >24 months<br>Low LTV: 70%<br>DSCR Ratio - 1.09 |  | QC Complete | 10/19/2022 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 778215 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Guideline Exception: 5% LTV exception from 75% to 80% (First time investor restrictions) (xxxxxx) |  |  | Qualifying credit score: 709 <br>10 months reserves: $23406.75<br>DSCR Ratio: 1.34<br>Over 68 months primary mortgage rating |  | QC Complete | 01/10/2023 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 779045 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | xxxxxx | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | URAL lender information page is missing in the final 1003.<br>10/05/2022 - Lender loan information page received. Hence, exception is resolved. | 10/05/2022 - Lender loan information page received. Hence, exception is resolved. | 10/05/2022 - Lender loan information page received. Hence, exception is resolved. |  |  | QC Complete | 11/08/2022 | 11/08/2022 | 11/08/2022 | xxxxxx |
| xxxxxx | xxxxxx | 779045 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception approval available in file except with "Need 5% LTV exception". |  |  | Qualifying credit score: 735<br>24 month AA mortgage history on 2 rental properties and primary residence<br>20 months PITI reserves: $66,344.56 |  | QC Complete | 11/08/2022 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 779044 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception approval form is present in the loan file except with need 5% Exception to 75% LTV |  |  | Qualifying credit score: 735<br>24 month AA mortgage history on 2 rental properties and primary residence<br>20 months PITI reserves: $77,737.21 |  | QC Complete | 10/19/2022 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 780639 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | As per Lender guideline Maximum LTV is 70%. We have received exception approval form for LTV exception from 70% to 75% LTV due to DSCR ratio < 1.00. |  |  | Credit Score - Credit Score Minimum required 620 as per lender guideline and in this loan FICO is 756<br>Reserves - Reserves required 3 months and present 130 + Months in loan file. |  | QC Complete | 11/01/2022 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 780106 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit Report & History | xxxxxx | Resolved | 3 | R | \* Divorce Decree (Lvl R) | Final application shows the borrower is currently separated as the marital status. Missing copy of either the divorce decree or separation agreement in the file.<br>11/16/2022 - This is a DSCR transaction where the borrowers credit, the collateral and the income it generates are the only qualifiers. No separation agreement is required since nothing in the agreement would have a bearing on the transaction. Hence, exception is resolved. | 11/16/2022 - This is a DSCR transaction where the borrowers credit, the collateral and the income it generates are the only qualifiers. No separation agreement is required since nothing in the agreement would have a bearing on the transaction. Hence, exception is resolved. | 11/16/2022 - This is a DSCR transaction where the borrowers credit, the collateral and the income it generates are the only qualifiers. No separation agreement is required since nothing in the agreement would have a bearing on the transaction. Hence, exception is resolved. |  |  | QC Complete | 10/20/2022 | 11/16/2022 | 11/16/2022 | xxxxxx |
| xxxxxx | xxxxxx | 779150 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | xxxxxx | Resolved | 3 | R | \* Misrepresentation of Housing History (Lvl R) | Missing evidence of the tax certificate and insurance information for the borrowers primary residence located at xxxxxx.<br>10/12/2022 - Received tax certificate and insurance information for the borrowers primary residence. Hence, exception is resolved. | 10/12/2022 - Received tax certificate and insurance information for the borrowers primary residence. Hence, exception is resolved. | 10/12/2022 - Received tax certificate and insurance information for the borrowers primary residence. Hence, exception is resolved. |  |  | QC Complete | 10/05/2022 | 10/12/2022 | 10/12/2022 | xxxxxx |
| xxxxxx | xxxxxx | 780638 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Assets | xxxxxx | Resolved | 3 | R | \* Assets Verification (Lvl R) | Provide a wire Transfer of $158,00.00 for sales proceeds from loan# xxxxxx.<br>11/21/2022 - Received updated 1003 and Wire Transfer Order with xxxxxx for sales proceeds from loan# xxxxxx. Hence, exception is resolved. | 11/21/2022 - Received updated 1003 and Wire Transfer Order with xxxxxx for sales proceeds from loan# xxxxxx. Hence, exception is resolved. | 11/21/2022 - Received updated 1003 and Wire Transfer Order with xxxxxx for sales proceeds from loan# xxxxxx. Hence, exception is resolved. |  |  | QC Complete | 10/31/2022 | 11/21/2022 | 11/21/2022 | xxxxxx |
| xxxxxx | xxxxxx | 780638 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Assets Insufficient | xxxxxx | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | Provide an additional asset of $31,779.93 (cash from borrower $189,779.93- stated asset $158,00.00) as asset is not sufficient to close.<br>11/21/2022 - Received updated 1003 and Wire Transfer Order with xxxxxx for sales proceeds from loan# xxxxxx. Hence, exception is resolved. | 11/21/2022 - Received updated 1003 and Wire Transfer Order with xxxxxx for sales proceeds from loan# xxxxxx. Hence, exception is resolved. | 11/21/2022 - Received updated 1003 and Wire Transfer Order with xxxxxx for sales proceeds from loan# xxxxxx. Hence, exception is resolved. |  |  | QC Complete | 10/31/2022 | 11/21/2022 | 11/21/2022 | xxxxxx |
| xxxxxx | xxxxxx | 780638 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | EXCEPTION FOR xxxxxx. PROGRAM IS xxxxxx ACRES.<br> As per lender guideline property area must be within xxxxxx Acre however in this loan subject property area is xxxxxx and exception approval present in the loan file with compensating factor. |  |  | No Derogatory Credit in Last 12 Months<br>Mortgage History is Paid As Agreed in Last 14 Months<br>Qualifying credit score: 706 |  | QC Complete | 10/31/2022 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 777334 | xxxxxx | xxxxxx | xxxxxx | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | xxxxxx | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | 12 month history or xxxxxx is missing for first time investor in the loan file.<br>Exception approval letter is available in the loan file. |  |  | Reserves - 80+ months reserves, > 1% DSCR, Credit depth and 10+ years clean mortgage history.<br>|  | QC Complete | 01/11/2023 |  |  | xxxxxx |
| xxxxxx | xxxxxx | 780104 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Title Policy | xxxxxx | Resolved | 2 | R | \* Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) (Lvl R) | As per the Title report the vesting shows Borrower is married and as per Final 1003 borrower is unmarried.<br>11/14/2022 - Not resolved - Received Title report which says borrower is married. We will require Final 1003 which says borrower is married.<br>12/06/2022 - Received 1003 which says borrower is married. Hence, exception is resolved. | 12/06/2022 - Received 1003 which says borrower is married. Hence, exception is resolved. | 12/06/2022 - Received 1003 which says borrower is married. Hence, exception is resolved. |  |  | QC Complete | 10/20/2022 | 12/06/2022 | 12/06/2022 | xxxxxx |
| xxxxxx | xxxxxx | 780104 | xxxxxx | xxxxxx | xxxxxx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | xxxxxx | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing secondary valuation. No CU or LCA risk scores documented in the file. Desk Review appraisal provided in the file (pg 193), however the report provided is incomplete, no comparable data provided and no value reflected on the desk review.<br>11/14/2022 - Desk review received with amount. Hence, exception is resolved. | 11/14/2022 - Desk review received with amount. Hence, exception is resolved. | 11/14/2022 - Desk review received with amount. Hence, exception is resolved. |  |  | QC Complete | 10/20/2022 | 11/14/2022 | 11/14/2022 | xxxxxx |

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## Exhibit 99.22

**EXHIBIT 99.22**

**INFINITY RATING AGENCY GRADES REPORT**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Verus ID** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| xxxxxx | 778313 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 779347 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 778034 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 779153 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 779487 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777368 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 780611 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 780643 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 780639 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777329 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 779151 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 780638 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase B | Not Applicable D B | Not Applicable | Not Applicable D B CD CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 776533 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 780106 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 781930 | xxxxxx | xxxxxx | xxxxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 780809 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777327 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777709 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase B | Not Applicable D B | Not Applicable | Not Applicable D B CD CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 776099 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 779169 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 778215 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 781885 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777710 | xxxxxx | xxxxxx | xxxxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777597 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777708 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 775453 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777328 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 778362 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777596 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 779152 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777899 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 766623 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 780104 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable D B | Not Applicable | Not Applicable D CB CA | Not Applicable | Not Applicable | VD | VA |
| xxxxxx | 780642 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 778697 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B CB | Not Applicable | Not Applicable | VD | VA |
| xxxxxx | 779045 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B CD CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777332 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxxxx | 776643 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 776865 | xxxxxx | xxxxxx | xxxxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 776866 | xxxxxx | xxxxxx | xxxxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777713 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase B | Not Applicable D B | Not Applicable | Not Applicable D B CD CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 780645 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777369 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 776759 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777057 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777334 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 781843 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 778361 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777331 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase B | Not Applicable D B | Not Applicable | Not Applicable D B CD CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 779150 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777595 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B CD CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 780647 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 778363 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777649 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 777335 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 775895 | xxxxxx | xxxxxx | xxxxxx | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxxxx | 779044 | xxxxxx | xxxxxx | xxxxxx | Investor | Cash Out B | Not Applicable A B | Not Applicable | Not Applicable A B CB | Not Applicable | Not Applicable | VA | VA |

---

## Exhibit 99.23

**EXHIBIT 99.23**

**INFINITY DATA COMPARE REPORT**

**Tape Discrepancies**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna Id** | **Loan #1** | **Verus ID** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| xxxxxx | xxxxxx | 777713 | Disbursement Date | xxxxxx | xxxxxx | -1 (Days) |  | Final CD reflects disbursement date is xxxxxx | Initial |
| xxxxxx | xxxxxx | 776759 | Disbursement Date | xxxxxx | xxxxxx | -3 (Days) |  | Final CD reflects disbursement date is xxxxxx. | Initial |
| xxxxxx | xxxxxx | 777332 | Original Appraised Value | xxxxxx | xxxxxx | xxxxxx | 29.62962% | The Appraisal dated xxxxxx reflects the Original Appraised value as $xxxxxx. | Initial |
| xxxxxx | xxxxxx | 777708 | Disbursement Date | xxxxxx | xxxxxx | 1 (Days) |  | Final CD reflects disbursement date is xxxxxx. | Initial |
| xxxxxx | xxxxxx | 778697 | Disbursement Date | xxxxxx | xxxxxx | -3 (Days) |  | Final CD reflects disbursement date is xxxxxx | Initial |
| xxxxxx | xxxxxx | 780643 | B1 Credit Score | 671 | 712 | -41 | -5.75842% | The credit report dated 09/23/2022 reflects B1 Credit Score as 671. | Initial |
| xxxxxx | xxxxxx | 777334 | Disbursement Date | xxxxxx | xxxxxx | -1 (Days) |  | Final CD reflects disbursement date is xxxxxx | Initial |
| xxxxxx | xxxxxx | 780645 | Loan Documentation Type | Alternative | Full Documentation |  |  | Loan documentation type is Alternative. | Initial |
| xxxxxx | xxxxxx | 775453 | Disbursement Date | xxxxxx | xxxxxx | -1 (Days) |  | Final CD reflects disbursement date is xxxxxx | Initial |

---

## Exhibit 99.24

**EXHIBIT 99.24**

**INFINITY ATR QM REPORT**

---

| | | |
|:---|:---|:---|
| **Loan Number** | **Verus ID** | **QM/ATR Status** |
| xxxxxx | 766623 | Not Covered/Exempt |
| xxxxxx | 779152 | Not Covered/Exempt |
| xxxxxx | 777713 | Not Covered/Exempt |
| xxxxxx | 777327 | Not Covered/Exempt |
| xxxxxx | 777328 | Not Covered/Exempt |
| xxxxxx | 776643 | Not Covered/Exempt |
| xxxxxx | 775895 | Not Covered/Exempt |
| xxxxxx | 776099 | Not Covered/Exempt |
| xxxxxx | 776759 | Not Covered/Exempt |
| xxxxxx | 776865 | Not Covered/Exempt |
| xxxxxx | 776866 | Not Covered/Exempt |
| xxxxxx | 777368 | Not Covered/Exempt |
| xxxxxx | 777329 | Not Covered/Exempt |
| xxxxxx | 777369 | Not Covered/Exempt |
| xxxxxx | 777331 | Not Covered/Exempt |
| xxxxxx | 777597 | Not Covered/Exempt |
| xxxxxx | 777595 | Not Covered/Exempt |
| xxxxxx | 777649 | Not Covered/Exempt |
| xxxxxx | 777332 | Not Covered/Exempt |
| xxxxxx | 780611 | Not Covered/Exempt |
| xxxxxx | 777596 | Not Covered/Exempt |
| xxxxxx | 777057 | Not Covered/Exempt |
| xxxxxx | 777710 | Not Covered/Exempt |
| xxxxxx | 777709 | Not Covered/Exempt |
| xxxxxx | 777708 | Not Covered/Exempt |
| xxxxxx | 779151 | Not Covered/Exempt |
| xxxxxx | 778313 | Not Covered/Exempt |
| xxxxxx | 777899 | Not Covered/Exempt |
| xxxxxx | 778034 | Not Covered/Exempt |
| xxxxxx | 779169 | Not Covered/Exempt |
| xxxxxx | 778361 | Not Covered/Exempt |
| xxxxxx | 778697 | Not Covered/Exempt |
| xxxxxx | 778215 | Not Covered/Exempt |
| xxxxxx | 778363 | Not Covered/Exempt |
| xxxxxx | 779045 | Not Covered/Exempt |
| xxxxxx | 779044 | Not Covered/Exempt |
| xxxxxx | 780639 | Not Covered/Exempt |
| xxxxxx | 778362 | Not Covered/Exempt |
| xxxxxx | 779153 | Not Covered/Exempt |
| xxxxxx | 780106 | Not Covered/Exempt |
| xxxxxx | 779150 | Not Covered/Exempt |
| xxxxxx | 780638 | Not Covered/Exempt |
| xxxxxx | 779347 | Not Covered/Exempt |
| xxxxxx | 780647 | Not Covered/Exempt |
| xxxxxx | 780642 | Not Covered/Exempt |
| xxxxxx | 780643 | Not Covered/Exempt |
| xxxxxx | 780809 | Not Covered/Exempt |
| xxxxxx | 781930 | Not Covered/Exempt |
| xxxxxx | 781885 | Not Covered/Exempt |
| xxxxxx | 779487 | Not Covered/Exempt |
| xxxxxx | 776533 | Not Covered/Exempt |
| xxxxxx | 777334 | Not Covered/Exempt |
| xxxxxx | 781843 | Not Covered/Exempt |
| xxxxxx | 777335 | Not Covered/Exempt |
| xxxxxx | 780104 | Not Covered/Exempt |
| xxxxxx | 780645 | Not Covered/Exempt |
| xxxxxx | 775453 | Not Covered/Exempt |

---

## Exhibit 99.25

**EXHIBIT 99.25**

**INFINITY VALUATION report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity ID** | **Customer Loan #** | **Verus ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| xxxxxx | xxxxxx | 766623 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 11/26/2021 | 1025 2-4 Family Property |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | 12/27/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 779152 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 06/07/2022 | Multi-Family |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.163% | Clear Capital | 09/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxxxx | xxxxxx | 777713 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/28/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 07/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 777327 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/12/2022 | 1025 2-4 Family Property |  |  |  |  |  |  | xxxxxx | xxxxxx | 12.947% | Clear Capital | 08/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 777328 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/12/2022 | 1025 2-4 Family Property |  |  |  |  |  |  | xxxxxx | xxxxxx | 12.531% | ClearCapital | 08/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 776643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/30/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 07/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxxxx | xxxxxx | 775895 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/05/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 5.714% | Clear Capital | 07/15/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxxxx | xxxxxx | 776099 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 07/11/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 07/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxxxx | xxxxxx | 776759 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 07/08/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 07/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxxxx | xxxxxx | 776865 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 07/08/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 07/28/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 776866 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 07/08/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 07/13/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 777368 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 07/29/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | ClearCapital | 08/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 777329 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 07/21/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | ClearCapital | 08/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4 | 1.9 |
| xxxxxx | xxxxxx | 777369 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/08/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 2.133% | Clear Capital | 07/27/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 777331 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/22/2022 | 1025 2-4 Family Property |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | ClearCapital | 08/09/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 777597 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 07/14/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | 07/26/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5 | 1.9 |
| xxxxxx | xxxxxx | 777595 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 08/04/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 2.5 |
| xxxxxx | xxxxxx | 777649 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/25/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | 08/26/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxxxx | xxxxxx | 777332 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/09/2022 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 29.63% | xxxxxx | 07/27/2022 | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 780611 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 09/06/2022 | Multi-Family |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.579% | Clear Capital | 10/02/2022 |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxxxx | xxxxxx | 777596 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 08/11/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| xxxxxx | xxxxxx | 777057 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/27/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | 08/09/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxxxx | xxxxxx | 777710 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 08/01/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | 08/10/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 777709 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/09/2022 | 1073 Condominiums |  |  |  |  |  |  | xxxxxx | xxxxxx | 2.326% | Clear Capital | 08/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 777708 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/18/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.8 |
| xxxxxx | xxxxxx | 779151 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 09/08/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 09/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 778313 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 08/16/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxxxx | xxxxxx | 777899 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/11/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 08/30/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 778034 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/22/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear capital | 08/31/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 779169 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 08/17/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 09/15/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 778361 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 08/20/2022 | 1073 Condominiums |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| xxxxxx | xxxxxx | 778697 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 08/24/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 09/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 778215 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/11/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 15.385% | Clear Capital | 08/29/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 778363 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/11/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.9 |
| xxxxxx | xxxxxx | 779045 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 07/20/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.5 |
| xxxxxx | xxxxxx | 779044 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 07/25/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxxxx | xxxxxx | 780639 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 09/01/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 09/09/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| xxxxxx | xxxxxx | 778362 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 07/19/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | 09/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 779153 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 09/07/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | 09/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 780106 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09/09/2022 | 1073 Condominiums |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | 09/23/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.8 |
| xxxxxx | xxxxxx | 779150 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/22/2022 | 1073 Condominiums |  |  |  |  |  |  | xxxxxx | xxxxxx | 4.651% | Clear Capital | 09/13/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.1 |
| xxxxxx | xxxxxx | 780638 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09/30/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.339% | Clear Capital | 10/10/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 779347 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 09/23/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 10/05/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 780647 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 10/03/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 10/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 780642 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09/28/2022 | 1073 Condominiums |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| xxxxxx | xxxxxx | 780643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09/27/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.870% | Clear Capital | 10/05/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 780809 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09/27/2022 | 1004 Residential Appraisal |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Unavailable | 1.9 |
| xxxxxx | xxxxxx | 781930 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 11/16/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | 11/23/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxxxx | xxxxxx | 781885 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11/18/2022 | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | Unavailable |
| xxxxxx | xxxxxx | 779487 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 09/19/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital | 09/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxxxx | xxxxxx | 776533 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/24/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 5.714% | ClearCapital | 08/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxxxx | xxxxxx | 777334 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/11/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.099% | Clear Capital | 08/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 781843 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11/11/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.787% | Clear Capital | 11/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Unavailable | 1 |
| xxxxxx | xxxxxx | 777335 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/01/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 08/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.2 |
| xxxxxx | xxxxxx | 780104 | xxxxxx | xxxxxx | Not Applicable | xxxxxx | xxxxxx | 09/16/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 11/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 780645 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10/04/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.113% | Clear Capital | 10/13/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxxxx | xxxxxx | 775453 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/27/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.000% | Clear Capital | 07/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |

---

## Exhibit 99.26

**EXHIBIT 99.26**

**DIGITAL RISK, LLC ("DIGITAL RISK") EXECUTIVE SUMMARY**

![](tm234610d1_ex99-26img008.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, VMC Asset Pooler, LLC. The review included a total of 64 newly originated residential mortgage loans, in connection with the securitization identified as Verus 2023-INV1 (the "Securitization"). The review began on February 22, 2022, and concluded on November 16, 2022.

The third-party due diligence services are intended to generally comply with currently known rating agency criteria for newly originated mortgage loans.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, February 2, 2021 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Methodology and Assumptions for Rating U.S RMBS Issued 2009 and Later, February 22, 2018 |

---

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

a. <u>Review Initial & Final Application</u> 

&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.

&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;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date,

b. <u>Review Approval Conditions</u> 

&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;b. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of DSCR or qualification method and LTV calculations

c. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy Red Flags adequately addressed

d. <u>Verification of Borrower Original and Audit Credit Report</u> 

&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;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable credit history and credit score requirements in conformance with applicable guidelines

e. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&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;ii. Check dates for document expiration

f. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

g. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DSCR and any required upfront premium is paid

h. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

i. <u>Review Closing Documents</u>.

&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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

**Compliance Review**

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

a. Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026,
as set forth below (for applicable Owner Occupied Properties):

&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;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;c. errors in the right of rescission notice;

&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;e. failure to provide the three (3) business day rescission period; and

&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;

b. <u>TILA</u> (for applicable Owner Occupied Properties)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <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;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;ii. Compliance with the escrow account and appraisal requirements.

c. Business Purpose Loan Compliance Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 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;iii. Verify executed by all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Letter (must state that borrower(s) will not reside in the property for more than 14 days on
any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State Predatory lending and high cost when applicable

d. <u>Exclusions</u>. Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. 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;d. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

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

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

a. <u>Review Appraisal</u> 

b. Digital Risk's review will include a review of the valuation materials utilized during the origination
of the loan and in confirming the value of the underlying property. Digital Risk's review will include verifying the appraisal report:

c. On the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. 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 evidence
that Client approved use of that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The original appraisal report is made and signed prior to the final approval of the closing of the loan.
Any revisions, if made known to Digital Risk, to the original report are documented and dated completed and dated within the guideline's
restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. 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;h. 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, Digital Risk will review
third-party products in the file to ensure the correct value was applied per Client Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. With regard to the use of comparable properties, Digital Risk's review will (a) review 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) confirm the property value and square footage of the subject property was bracketed by comparable
properties, (c verify that comparable properties used are similar in size, style, and location to the subject, and (d) check for the reasonableness
of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Other aspects of Digital Risk's review include (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 if there are negative external factors, there is support in the loan file of the Client's approval
to waive the factor; and (vi) confirming that the value product that was used as part of the origination decision conforms with rating
agency requirements.

d. If more than one valuation was provided, Digital Risk will confirm consistency among the valuation products
and if there are discrepancies that could not be resolved, Digital Risk 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 Digital Risk's review result in a variance of more than 10% then the client will be notified of such variance.

e. Digital Risk will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser
both satisfied the requirements of Title XI of FIRREA. Specifically, Digital Risk will review the appraisal for conformity to industry
standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were documented and that pictures
were provided and were accurate.

f. In addition, Digital Risk will access 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.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;All Other Monthly Housing Payments | &nbsp;&nbsp;3 | &nbsp;&nbsp;4.69% |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;Initial Fixed Rate Period | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;Lifetime Maximum Rate (Ceiling) | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;Subsequent Interest Rate Cap (Change Up) | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;Total Cash Reserves | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.25% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;61 | &nbsp;&nbsp;$19668303.00 | &nbsp;&nbsp;95.31% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;3 | &nbsp;&nbsp;$1380000.00 | &nbsp;&nbsp;4.69% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;64 | &nbsp;&nbsp;$21048303.00 | &nbsp;&nbsp;100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;62 | &nbsp;&nbsp;$20403303.00 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;2 | &nbsp;&nbsp;$645000.00 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;64 | &nbsp;&nbsp;$21048303.00 | &nbsp;&nbsp;100.00% |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;64 | &nbsp;&nbsp;$21048303.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;64 | &nbsp;&nbsp;$21048303.00 | &nbsp;&nbsp;100.00% |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;63 | &nbsp;&nbsp;$20313303.00 | &nbsp;&nbsp;98.44% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | &nbsp;&nbsp;$735000.00 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;64 | &nbsp;&nbsp;$21048303.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.27

**EXHIBIT 99.27**

**DIGITAL RISK EXCEPTION REPORT**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | Compliance Exceptions | Credit Exceptions | Property Valuation Exceptions | **Compensating Factors** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| xxxxxx | 767879 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the xxxxxx origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 767876 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 767914 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 770484 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the xxxxxx origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 770915 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is not supported within 10% of original appraisal amount- <br>The CDA did not support the original appraised value of xxxxxx coming on at xxxxxx and a negative 12.50% under. Additional valuation product needs to be ordered that supports original appraised value.<br>Response 1 (05/12/2022 9:08AM),000 and a negative 12.50% under. Additional valuation product needs to be ordered that supports original appraised value.<br>Response 1 (05/12/2022 9:08AM)<br> DSCR loan. Using CDA to determine LTV of 70%. (Resolved)<br>| 761 Score. 17 months of reserves.<br>Comp Factors - Qualifying credit score 761, reserves $90,238 and clean mortgage history. | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 A B |
| xxxxxx | 771162 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Open) Credit - Other- <br>There are additional observations that could impact the credit decision and/or quality of the loan. Subject DSCR is 1.017; minimum required is 1.2. Exception granted by lender. (Waived)<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.<br>| Comp Factors - Qualifying credit score 750, LTV ying credit score 750, LTV 63%, clean mortgage history and assets of $126,610. | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| xxxxxx | 771168 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 772489 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774560 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774558 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the xxxxxx origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774585 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the xxxxxx origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774565 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774584 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the xxxxxx origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774080 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the xxxxxx origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774583 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774580 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774567 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774574 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA dated xxxxxx supports the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774569 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774561 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774133 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774579 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775956 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775960 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774578 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774581 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775963 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775958 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775962 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775974 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774562 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777786 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777784 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777787 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777790 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777794 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777793 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777789 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777796 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777791 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777797 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777804 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777805 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777806 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777802 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778130 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778127 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778129 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778128 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778132 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778131 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778137 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778136 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778135 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778134 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contained a CDA which supported the appraised value.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778139 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778140 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778138 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 776270 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778615 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a AVR that supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778616 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a AVR that supports the opinion of value in the origination appraisal report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778645 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) Credit - Other- <br>Subject property is located in xxxxxx which was a designated county for individual assistance from Disaster xxxxxx, with incident period of xxxxxx and continuing; declaration date xxxxxx. The appraisal was completed xxxxxx which is prior to the incident/declaration date. A re-inspection of subject property is required to determine if any damage occurred from the xxxxxx.<br>Response 1 (11/01/2022 11:19AM) xxxxxx, with incident period of xxxxxx and continuing; declaration date xxxxxx. The appraisal was completed xxxxxx which is prior to the incident/declaration date. A re-inspection of subject property is required to determine if any damage occurred from the xxxxxx.<br>Response 1 (11/01/2022 11:19AM)<br> Documentation received is sufficient. (Resolved)<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 779772 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Open) Credit - Other- <br>The file contains a guideline exception for subject having one residential unit leased for $3,500 and one mixed use unit leased for $4,000 in which rent is higher for the mixed use unit. The guidelines indicate for a xxxxxx property that more than 50% of the gross rental income must be from the residential units (waived).<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>| Compensating Factors: LTV 62.50%, 74 months reserves, residential square footage square footage well in excess of commercial square footage | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| xxxxxx | 779562 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>| (Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>| (Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the xxxxxx origination report.<br>|  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

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## Exhibit 99.28

**EXHIBIT 99.28**

**DIGITAL RISK RATING AGENCY GRADES**

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| xxxxxx | 767879 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 767876 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 767914 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 770484 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 770915 | xxxxxx | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 A B |
| xxxxxx | 771162 | xxxxxx | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| xxxxxx | 771168 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 772489 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774560 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774558 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774585 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774565 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774584 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774080 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774583 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774580 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774567 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774574 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774569 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774561 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774133 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774579 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775956 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775960 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774578 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774581 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775963 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775958 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775962 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775974 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 774562 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777786 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777784 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777787 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777790 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777794 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777793 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777789 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777796 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777791 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777797 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777804 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777805 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777806 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777802 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778130 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778127 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778129 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778128 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778132 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778131 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778137 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778136 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778135 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778134 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778139 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778140 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778138 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 776270 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778615 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778616 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778645 | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 779772 | xxxxxx | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| xxxxxx | 779562 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

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## Exhibit 99.29

**EXHIBIT 99.29**

**DIGITAL RISK DATA INTEGRITY REPORT**

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| | |
|:---|:---|
| **Report Pulled:** | 1/11/2023 12:45:13 PM |
| **Loan Count:** | 64 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| xxxxxx | xxxxxx | 774133 | xxxxxx | Total Cash Reserves | 42358.46 | 42257.53 |
| xxxxxx | xxxxxx | 775962 | xxxxxx | Total Cash Reserves | 70070.52 | 66025.84 |
| xxxxxx | xxxxxx | 770484 | xxxxxx | Total Cash Reserves | 67020.78 | 58620.78 |
| xxxxxx | xxxxxx | 778134 | xxxxxx | All Other Monthy Housing Payments | 597.76 | 606.93 |
| xxxxxx | xxxxxx | 778134 | xxxxxx | Debt Service Coverage Ratio | 1.2 | 1.192 |
| xxxxxx | xxxxxx | 774574 | xxxxxx | Total Cash Reserves | 75554.54 | 65555.00 |
| xxxxxx | xxxxxx | 771162 | xxxxxx | All Other Monthy Housing Payments | 647.35 | 648.19 |
| xxxxxx | xxxxxx | 779772 | xxxxxx | Initial Fixed Rate Period | 60 | 12 |
| xxxxxx | xxxxxx | 779772 | xxxxxx | Lifetime Maximum Rate (Ceiling) | 0.16 | 0.13 |
| xxxxxx | xxxxxx | 779772 | xxxxxx | Subsequent Interest Rate Cap (Change Up) | 0.01 | 0.03 |
| xxxxxx | xxxxxx | 778140 | xxxxxx | All Other Monthy Housing Payments | 641.92 | 698.75 |
| xxxxxx | xxxxxx | 778140 | xxxxxx | Debt Service Coverage Ratio | 1.683 | 1.634 |

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## Exhibit 99.30

**EXHIBIT 99.30**

**DIGITAL RISK QM STATUS report**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **QM Status** | **ATR Status** |
| xxxxxx | 767879 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 767876 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 767914 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 770484 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 770915 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 771162 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 771168 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 772489 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774560 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774558 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774585 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774565 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774584 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774080 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774583 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774580 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774567 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774574 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774569 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774561 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774133 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774579 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 775956 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 775960 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774578 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774581 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 775963 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 775958 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 775962 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 775974 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 774562 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777786 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777784 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777787 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777790 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777794 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777793 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777789 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777796 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777791 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777797 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777804 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777805 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777806 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 777802 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778130 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778127 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778129 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778128 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778132 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778131 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778137 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778136 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778135 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778134 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778139 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778140 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778138 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 776270 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778615 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778616 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778645 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 779772 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 779562 | xxxxxx | QM Exempt | ATR Exempt |

---

## Exhibit 99.31

**EXHIBIT 99.31**

**DIGITAL RISK VALUATION REPORT**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **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** | **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** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Market Condition** | **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** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 770484 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 12/20/2021 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 04/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 771168 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 03/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 03/24/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774560 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1025 | 06/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/13/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 771162 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 04/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | ClearCapital |  | 04/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774585 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 05/05/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | ClearCapital |  | 05/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 770915 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 03/15/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -12.500% | ClearCapital |  | 03/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774558 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 06/26/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/29/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 772489 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 05/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 05/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774565 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 06/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/09/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774583 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 05/24/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 05/31/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774569 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 06/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774567 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 05/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | ClearCapital |  | 05/24/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774561 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 06/20/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/24/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774574 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 05/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | ClearCapital |  | 05/20/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774080 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 06/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -4.936% | Clear Capital |  | 06/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 05/31/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774580 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 06/16/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 775960 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 06/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -4.348% | Clear Capital |  | 06/30/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 05/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/20/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 775956 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 06/20/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/30/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774581 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 06/29/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 07/05/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 775963 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 775962 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 06/20/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774133 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 06/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774579 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 06/23/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 07/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777784 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 07/15/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 07/26/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777786 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 07/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 07/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777787 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/20/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777790 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 07/26/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 775974 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 06/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 07/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 774562 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 06/13/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/30/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 775958 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 06/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 07/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 767879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1025 | 01/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -8.824% | ClearCapital |  | 02/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777791 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/15/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 767876 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 11/16/2021 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 12/14/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 767914 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 01/27/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 02/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777789 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 08/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777793 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 07/13/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777794 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/02/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 07/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777796 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/12/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777802 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/18/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777806 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/27/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778127 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778128 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 07/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777804 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/15/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777805 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -8.333% | Clear Capital |  | 07/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 777797 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/01/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778131 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 07/05/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/05/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778129 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 07/05/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 07/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778136 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 07/11/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778130 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778134 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 08/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778138 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 05/24/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/09/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778139 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 06/30/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778140 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 05/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 06/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 776270 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | Other | 04/22/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.251% | xxxxxx |  | 05/24/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778616 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | Other | 06/09/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.526% | xxxxxx |  | 07/25/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778615 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | Other | 05/23/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/13/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778135 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 08/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 779772 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | Other | 07/20/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 6.250% | xxxxxx |  | 09/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 779562 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | Other | 08/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 7.143% | xxxxxx |  | 10/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778137 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 06/30/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | Clear Capital |  | 08/03/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778132 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 06/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | ClearCapital |  | 06/28/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 778645 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | Other | 09/19/2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -2.817% | xxxxxx |  | 10/07/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.32

**EXHIBIT 99.32**

**EVOLVE MORTGAGE SERVICES ("EVOLVE") EXECUTIVE SUMMARy**

![](tm234610d1_ex99-32img009.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>

Executive Summary

Verus 2023-INV1

Dated: January 31, 2023

---

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

---

![](tm234610d1_ex99-32img010.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

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

**Sample size of the assets reviewed.**

The final population of the Review covered 25 Business Purpose loans, totaling an aggregate original principal balance of approximately $7,598,190. 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, as may be relevant for S&P Global Ratings ("S&P") and Kroll Bond Rating Agency, LLC ("Kroll"), the NRSRO identified in Item 3 of the ABS Due Diligence-15E.

**Loan Review Scope – Business Purpose**

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

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| | | |
|:---|:---|:---|
| ![](tm234610d1_ex99-32img011.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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![](tm234610d1_ex99-32img010.jpg)

Forward Thinking. Seamless Solutions.

*Credit Application*

For the Credit Application, Evolve will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

*Credit Report*

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

*Borrowing Entity*

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

*Property Income*

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

*Valuation Review*

Evolve's review will include 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 will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) 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, (iv) 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.

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| | | |
|:---|:---|:---|
| ![](tm234610d1_ex99-32img011.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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![](tm234610d1_ex99-32img010.jpg)

Forward Thinking. Seamless Solutions.

With regard to the use of comparable properties, Evolve's review will (i) review 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; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) 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 (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

*Asset Review*

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

*Insurance*

Evolve will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

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| | | |
|:---|:---|:---|
| ![](tm234610d1_ex99-32img011.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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![](tm234610d1_ex99-32img010.jpg)

Forward Thinking. Seamless Solutions.

*Fraud / Criminal Background*

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check 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.

**<u>Limited Non-Owner Occupancy Certification Review</u>**

Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.

Review procedures include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal reports
are reviewed in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of
either owner or tenant occupancy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final Form 1003/Loan
application is reviewed to ensure 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Certification
of Non-Owner Occupancy and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten
Primary Residence address differs from the subject property address, and is signed/dated as required.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The Primary
Residence address(es) listed are compared for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of
Non-Owner Occupancy and Indemnity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review additional
items for confirmation of non-owner occupancy possibly including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o That the credit
report address is different than the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is a lease
in place if the loan is a refinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is landlord
insurance on the property

**<u>Debt Service Coverage Ratio (DSCR)</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Calculate DSCR
as required by the guidelines

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| | | |
|:---|:---|:---|
| ![](tm234610d1_ex99-32img011.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

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![](tm234610d1_ex99-32img010.jpg)

Forward Thinking. Seamless Solutions.

**<u>Data Collection</u>**

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

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| | | |
|:---|:---|:---|
| ![](tm234610d1_ex99-32img011.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

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![](tm234610d1_ex99-32img010.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The NRSROs 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.

**Compliance Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KROLL** | &nbsp;&nbsp;**KROLL** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;52.00% | &nbsp;&nbsp;13 | &nbsp;&nbsp;52.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;48.00% | &nbsp;&nbsp;12 | &nbsp;&nbsp;48.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;96.00% | &nbsp;&nbsp;24 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;52.00% | &nbsp;&nbsp;13 | &nbsp;&nbsp;52.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;48.00% | &nbsp;&nbsp;12 | &nbsp;&nbsp;48.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |

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| ![](tm234610d1_ex99-32img011.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

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![](tm234610d1_ex99-32img010.jpg)

Forward Thinking. Seamless Solutions.

**Data Results Summary**

Within the mortgage loans reviewed, Evolve noted the following data deltas across data fields.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with <br> Discrepancy** | &nbsp;&nbsp;**Total Time <br> Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;7 | &nbsp;&nbsp;25 | &nbsp;&nbsp;28.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;24 | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;24 | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;25 | &nbsp;&nbsp;12.00% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;25 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;11 | &nbsp;&nbsp;25 | &nbsp;&nbsp;44.00% |

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|:---|:---|:---|
| ![](tm234610d1_ex99-32img011.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

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## Exhibit 99.33

**EXHIBIT 99.33**

**EVOLVE EXCEPTION DETAIL**

![](tm234610d1_ex99-33img001.jpg)

**Exception Detail**

**Run Date - 01/20/2023 12:52:14 PM**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan 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** |
| xxxxxx | 762212 | xxxxxx | 6738194 | xxxxxx | xxxxxx | Credit | Closing Package |  | Closing Package - |  | Occupancy is Investment AND loan is a Business Purpose Product then file must contain a borrower signed Business Purpose Affidavit. | Information provided |  |  | 03/04/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 762212 | xxxxxx | 6738195 | xxxxxx | xxxxxx | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing a copy of the executed mortgage. Mortgage in file is for another transaction. | Received |  |  | 03/04/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 762212 | xxxxxx | 6738196 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Does not meet 48 month seasoning for xxxxxx filed in 2019. |  | FICO is 762 vs minimum of 680. Borrower has $60,481.46 in reserves which is 31.96 months. |  |  |  | 02/16/2022 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 762216 | xxxxxx | 6967065 | xxxxxx | xxxxxx | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Deed of Trust/Mortgage is missing riders. Please provide Planned unit development rider | Received |  |  | 02/23/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 775562 | xxxxxx | 6966200 | xxxxxx | xxxxxx | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower short reserves. |  | Compensating Factors: Fico is 706, No bankruptcies. NO public records, borrower is currently self employed at xxxxxx and has been with business for 3 years with stable income. Borrower has $48,052.72 for reserves which is 20.38 months. |  |  |  | 08/02/2022 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 772361 | xxxxxx | 6967236 | xxxxxx | xxxxxx | Credit | Note |  | Note - Other: |  | The monthly payment on the Note $xxxxxx only reflects the Principal and Interest payment after the interest only period and not the interest only payment which should be $xxxxxx/month for the first 120 months. Provide corrected, fully executed Note with the correct payments and terms. | Client states that the i/o payment is not listed as a dollar amount on their notes and just the P&I payment is reflected. the verbiage does indicate the interest only period but not the dollar amount. Per escalation: Please see note from xxxxxx as well as a sample note from xxxxxx, there is no requirement for the payment to be I/O. |  | Reviewer 08/01/2022 06:32 AM; Escalated for review<br>Client 08/01/2022 11:02 AM; Please see note from xxxxxx as well as a sample note from xxxxxx, there is no requirement for the payment to be I/O. Should be able to clear this and the corresponding credit condition<br>Reviewer 08/01/2022 12:11 PM; Received documentation but the note still does not reflect the payment amount during the I/O period. Note should reflect the I/O payment amount as well as the P&I payment amount after the I/O period has ended.<br>Reviewer 08/01/2022 12:12 PM; Client states that the i/o payment is not listed as a dollar amount on their notes and just the P&I payment is reflected. the verbiage does indicate the interest only period but not the dollar amount. Per escalation: Please see note from xxxxxx as well as a sample note from xxxxxx, there is no requirement for the payment to be I/O.<br>Reviewer 08/01/2022 12:13 PM; Escalation has been assigned for Further Review<br>Reviewer 08/01/2022 12:15 PM; Hello, Compliance condition has been cleared since the note does indicate the I/O period (but not the dollar amount). xxxxxx<br>Reviewer 08/01/2022 01:49 PM; <br>| 08/01/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 780376 | xxxxxx | 7048454 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Loan Mod does not meet seasoning requirement of 48 months per guideline. |  | Compensating Factors: Met required trade line, no past due, no public records, no bankruptcies. Borrower is currently self-employed for 27 years with stable income. |  |  |  | 01/16/2023 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 780376 | xxxxxx | 7048457 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Minimum loan amount was does not met of xxxxxx |  | Compensating Factors: Met required trade line, no past due, no public records, no bankruptcies. Borrower is currently self-employed for 27 years with stable income. |  |  |  | 01/16/2023 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 780376 | xxxxxx | 7048458 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception to use cash out proceeds for reserve requirement. |  | Compensating Factors- Met required trade line. No past due. No public records. No bankruptcies. Borrower is currently self-employed for 27 years with stable income. Verified reserves $53,366.87, 11.87 months. |  |  |  | 01/16/2023 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 780396 | xxxxxx | 6985180 | xxxxxx | xxxxxx | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | unexpired final loan approval required | received |  |  | 09/28/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 780378 | xxxxxx | 6985189 | xxxxxx | xxxxxx | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Final Settlement statement required, confirming cash back to borrower | received |  |  | 10/06/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 780378 | xxxxxx | 7015620 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Primary housing is Rent, and paid in Cash |  | Compensating factors of: Customer has enough assets to cover cash to close and reserves, Low LTV of 60%. Benefit to borrower is cash out for purchase of another investment property. Reserves -$3,551,919.38/491.44 months |  |  |  | 10/04/2022 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 780378 | xxxxxx | 7015621 | xxxxxx | xxxxxx | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Final Settlement statement required, confirming cash back to borrower | received |  |  | 10/06/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 780377 | xxxxxx | 7048428 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV/CLTV does not meet parameters COMMENT LTV of 65% exceeds the maximum allowed of 55% for borrowers with an incomplete rental history. VOR in file, however proof of monthly payments were not provided due to borrower pays rent with cash. |  | An exception was granted with the following compensation factors:RESERVES EXCEED THE MINIMUM 6 MONTHS REQUIRED BY 5 MONTHS. BORROWER EXCEEDS MINIMUM CREDIT SCORE REQUIREMENT OF 680 BY 104 POINTS ALL CONSUMER CREDIT WAS PAID AS AGREED IN THE MOST RECENT 12 MONTHS. |  |  |  | 01/16/2023 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| xxxxxx | 780377 | xxxxxx | 6998069 | xxxxxx | xxxxxx | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | Missing | Information provided |  | Reviewer 11/09/2022 08:39 AM; IEADS uploaded is not for the subject transaction. Please provide the correct IEADS. <br>Client 11/10/2022 10:40 AM; Uploaded xxxxxx<br>Reviewer 11/10/2022 11:01 AM; Hello, IEADS cleared. Looks like the inspection was 'un acknowledged' in the system by xxxxxx so I did not do anything with that inspection that was re-uploaded. xxxxxx<br>Reviewer 11/10/2022 11:15 AM; <br>| 11/10/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| xxxxxx | 780377 | xxxxxx | 6998070 | xxxxxx | xxxxxx | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | Perm Resident Card expiration date is less than 2 years following the closing date. Per guidelines, Visa must be current and may not expire for a minimum of 2 years following the close date. Visa expires xxxxxx. |  | An exception was granted with the following compensation factors:RESERVES EXCEED THE MINIMUM 6 MONTHS REQUIRED BY 5 MONTHS. BORROWER EXCEEDS MINIMUM CREDIT SCORE REQUIREMENT OF 680 BY 104 POINTS ALL CONSUMER CREDIT WAS PAID AS AGREED IN THE MOST RECENT 12 MONTHS.I-76 with stamp received date in file |  |  |  | 09/28/2022 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| xxxxxx | 780377 | xxxxxx | 6998072 | xxxxxx | xxxxxx | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  |  | Per disaster inspection, damage limited to missing and xxxxxx. No structural damage noted. Cost to cure $500. Compensation factors:RESERVES EXCEED THE MINIMUM 6 MONTHS REQUIRED BY 5 MONTHS. BORROWER EXCEEDS MINIMUM CREDIT SCORE REQUIREMENT OF 680 BY 104 POINTS ALL CONSUMER CREDIT WAS PAID AS AGREED IN THE MOST RECENT 12 MONTHS | Client 11/08/2022 05:46 PM; Both conditions have been uploaded can you please clear as these are committed<br>Reviewer 11/09/2022 04:43 AM; <br>Reviewer 11/09/2022 08:44 AM; Good Morning, the inspection was cleared as 'acknowledged' due to damage noted. The IEADS uploaded was not for this file. Please upload the correct IEADS so that Tdocs can review and clear. xxxxxx<br>Client 11/10/2022 01:01 PM; 442 Uploaded can you please clear xxxxxx<br>Reviewer 11/10/2022 01:45 PM; <br>Reviewer 11/10/2022 01:53 PM; Hello, I re-cleared as acknowledged due to minor damage on the inspection. I am emailing xxxxxx on this one also. xxxxxx<br>|  |  | 11/11/2022 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| xxxxxx | 775763 | xxxxxx | 7005931 | xxxxxx | xxxxxx | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Final Loan approval form xxxxxxx xxxxxx xxxxxx xxxxxx xxxxxx xxxxxx 65%LTV with DSCR of 0.76 | document provided |  | Reviewer 08/18/2022 06:16 PM; The approval received did not reflect the loan amount of xxxxxx and the DSCR of .76%<br>Client 08/19/2022 09:46 AM; The loan amount is correct on the final loan approval and within guidelines for the DSCR program please clear this file<br>Reviewer 08/19/2022 01:00 PM; deficiency cleared <br>| 08/19/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 775763 | xxxxxx | 7048439 | xxxxxx | xxxxxx | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | LTV exceeds program guidelines of 60%. |  | Exception granted with Compensating factors of reserves 25.24 months |  |  |  | 01/16/2023 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 776903 | xxxxxx | 7005970 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Minimum Loan Amount of at least xxxxxx not met. current loan amount is only xxxxxx |  | Reserves program requires 2 months of reserves but borrower has 10+ months of reserves ($118,931.33). Credit Score minimum credit score is 660 but qualifying score is 675. |  |  |  | 08/23/2022 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 776903 | xxxxxx | 7005971 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | LTV to remain at 65% max. LTV was countered to 60% due to borrower living rent free. |  | Reserves program requires 2 months of reserves but borrower has 10+ months of reserves ($118,931.33). Credit Score minimum credit score is 660 but qualifying score is 675. |  |  |  | 08/23/2022 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 777561 | xxxxxx | 7005975 | xxxxxx | xxxxxx | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Executed copy of the CD/HUD-1/Settlement statement missing. The CD in the file is for the seller only; the full borrower CD is not included. Please upload a copy of the executed final CD/HUD-1/Settlement Statement. | Information provided |  |  | 09/12/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 777561 | xxxxxx | 7005976 | xxxxxx | xxxxxx | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per xxxxxx dated xxxxxx Credit Foreign National-with U.S. Credit 2 tradelines within the last 24 months that show a 12 month history. U.S. Credit report only reflects one line that was opened on xxxxxx. | 1 active trade line reporting and received credit statements for xxxxxx showing 12 month history to meet the requirement |  | Client 09/12/2022 12:37 PM; Please review credit report shows one trade line and also uploaded one utility bill with 12 month history<br>Reviewer 09/12/2022 06:08 PM; pending upload and review of utility bill, along with documented exception approval for only 1 reported trade line to the credit bureau. Utility bill will not report and reflect as a trade<br>| 09/13/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 778600 | xxxxxx | 7005991 | xxxxxx | xxxxxx | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - legal description is missing. |  | Please provide legal description. | Information provided |  |  | 09/16/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 778600 | xxxxxx | 7005992 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | No primary housing history, Borrower currently lives rent free. |  | Good credit and FICO 799. LTV 21.74%, post losing reserves 4.52 months.PUD. Collateral Risk Score 1.9 on a scale of 1 to 5 where 5 indicates highest potential collateral risk. |  |  |  | 09/12/2022 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 778608 | xxxxxx | 7006011 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | Max LTV is 70% for First Time Investor on DSCR product. |  | The exception for 75% LTV was granted with the following compensating factors: Verified DSCR is 1.29; Verified assets were $189,453.91 for reserves after close, 24.87 months.; Benefit to Borrower Buy first investment property. |  |  |  | 09/12/2022 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 778601 | xxxxxx | 7006020 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Non-warrantable Condo (a) Single entity ownership is 42%, max allowed is 20%. (b) Delinquency on common expense assessment, mortgagee is responsible for paying for more than 12 months, xxxxxx guide allows up to 6 months only. |  | Exception granted: compensating factors of Credit Score is 649, minimum required 620, Reserves is good for 26.03 months (proceeds from cash out), minimum required is 2 months. |  |  |  | 09/20/2022 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| xxxxxx | 778601 | xxxxxx | 7006021 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception for condo hotel property, and no separate xxxxxx as subject is a xxxxxx. Guideline requires a xxxxxx. |  | Exception granted: compensating factors of Credit Score is 649, minimum required 620, Reserves is good for 26.03 months (proceeds from cash out), minimum required is 2 months. |  |  |  | 09/20/2022 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| xxxxxx | 778601 | xxxxxx | 7006022 | xxxxxx | xxxxxx | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraiser completed report with both units as one with total taxes of xxxxxx, tax bill provided only references unit xxxxxx, approx half of appraisers estimate. Title to confirm both units xxxxxx & xxxxxx have total taxes of xxxxxx annually, and not xxxxxx for each unit for a total of xxxxxx which will decrease DSCR Ratio below program guidelines. | Documentation has been provided. |  | Client 09/27/2022 10:13 AM; We do not need an exception form for a transferred appraisal we take them frequently we do not need an exception for acres on a condo complex with over xxxxxx. <br>Reviewer 09/27/2022 11:35 AM; Documentation provided is sufficient.<br>| 09/28/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| xxxxxx | 778601 | xxxxxx | 7006023 | xxxxxx | xxxxxx | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisers estimate for HOA $853.41 monthly, supply satisfactory evidence that includes both units xxxxxx & xxxxxx and that there are not individual HOAs for each unit. | Documentation has been provided. |  | Client 09/28/2022 10:58 AM; Figures are for both unit xxxxxx &xxxxxx: see also uploaded emails to confirm xxxxxx;<br> •HOA $853.10 xxxxxx<br> •Tax xxxxxx xxxxxx<br>Reviewer 09/28/2022 11:52 AM; Documentation has been provided.<br>| 09/28/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| xxxxxx | 778601 | xxxxxx | 7048442 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception for Rural Property. |  | Exception granted: compensating factors of Credit Score is 649, minimum required 620, Reserves is good for 26.03 months (proceeds from cash out), minimum required is 2 months. |  |  |  | 01/16/2023 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| xxxxxx | 778603 | xxxxxx | 7006026 | xxxxxx | xxxxxx | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | IEADS missing from bundled images. Please provide final signed copy of IEADS. | Information provided |  |  | 10/10/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 778603 | xxxxxx | 7006027 | xxxxxx | xxxxxx | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | Ineligible Visa Type of CO8 for the co-borrower, xxxxxx. Per guidelines, Visa types allowed for a non permanent resident alien E, G, H, L, O, P, R and TN |  | An exception was granted as the Co-Borrower is an xxxxxx. Compensating Factors: Credit Score of 687 vs Min Score of 680.Borrower has 35% equity in property. |  |  |  | 09/28/2022 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 774190 | xxxxxx | 7005893 | xxxxxx | xxxxxx | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower Certification of Business Purpose is missing from the loan file. | received |  |  | 08/15/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 774190 | xxxxxx | 7005894 | xxxxxx | xxxxxx | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Loan is short the amount needed for reserves. Per guidelines, 2 months reserves are needed. Per the most recent asset statement (xxxxxx on xxxxxx), total assets are $286,606.76. Per the FINAL CD, cash-to-close is $282,904.22. This leaves $3,702.54 in reserves (1.51 months). Total reserves needed is $4,908.34 (2.00 months). Loan is short reserves by $1,205.80. | Documentation provide is sufficient. |  | Reviewer 08/15/2022 02:46 PM; Received xxxxxx statement dated xxxxxx with balance of $286,606 and the $7,000 EM being deducted on 7/7/2022. The final CD required $282,904 AFTER the EM of $7,000 was already credited. The required reserves are $4,908 (2 months) and are short by $1,205.80<br>Client 08/16/2022 11:13 AM; Bank statement uploaded on 8/1/2022 that indicates $293,463. Please advise.<br>Reviewer 08/16/2022 12:08 PM; Received xxxxxx statement dated 7/20/22 with balance of $286,606 and the $7,000 EM being deducted on 7/7/2022. The final CD required $282,904 AFTER the EM of $7,000 was already credited. The required reserves are $4,908 (2 months) and are short by $1,205.80<br>Reviewer 08/30/2022 09:30 AM; The xxxxxx statement received dated 8/3/22 reflects funds available of $4,749 after funds for closing was deducted of $282,904. 2 months reserves are required = $4,908 and the funds available are $4,749. Funds are short for reserves by $159<br>Reviewer 08/30/2022 09:30 AM; The xxxxxx statement received dated 8/3/22 reflects funds available of $4,749 after funds for closing was deducted of $282,904. 2 months reserves are required = $4,908 and the funds available are $4,749. Funds are short for reserves by $159<br>Client 09/01/2022 08:21 AM; Please review the bank statement uploaded by the client on 8/30 to see if it will clear this condition. xxxxxx<br>Reviewer 09/01/2022 09:06 AM; The xxxxxx statement received dated 8/3/22 reflects funds available of $4,749 after funds for closing was deducted of $282,904. 2 months reserves are required = $4,908 and the funds available are $4,749. Funds are short for reserves by $159<br>Client 09/01/2022 09:15 AM; There was an additional statement upload by the client on 8/30 at 11:07 am that has more recent transactions and balances than the 8/3 statement. Has this been considered? Please advise. xxxxxx<br>Reviewer 09/01/2022 12:56 PM; Documentation provide is sufficient.<br>| 09/01/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 781772 | xxxxxx | 7012564 | xxxxxx | xxxxxx | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION 1 Exception request for the xxxxxx and xxxxxx not meeting the guideline requirement. Per guideline's definition, xxxxxx should have fullsize xxxxxx while subject has a xxxxxx and a xxxxxx; subject is a xxxxxx and there's no division for the xxxxxx. GUIDELINE EXCEPTION 2 Exception for Non-warrantable Condo due to (1) lender is responsible for 9 months common expense assessments if the unit is acquired thru foreclosure. Maximum allowed for the state of xxxxxx is 6 months only. (2) Single Entity Ownership is 25%. Guideline allows up to 20% only. |  | COMPENSATING FACTORS: Credit Score is 671, minimum requirement is 660. |  |  |  | 01/16/2023 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 782384 | xxxxxx | 7030359 | xxxxxx | xxxxxx | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Master Policy for subject property expires on xxxxxx and is not in force at least 60 days post funding. Please provide current Master policy for the subject property. | Information provided |  |  | 12/13/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |

---

## Exhibit 99.34

**EXHIBIT 99.34**

**EVOLVE RATING AGENCY GRADES**

![](tm234610d1_ex99-34img001.jpg)

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Run Date - 01/20/2023 12:52:14 PM** | **Run Date - 01/20/2023 12:52:14 PM** | **Run Date - 01/20/2023 12:52:14 PM** | **Run Date - 01/20/2023 12:52:14 PM** | **Run Date - 01/20/2023 12:52:14 PM** | **Run Date - 01/20/2023 12:52:14 PM** | **Run Date - 01/20/2023 12:52:14 PM** | **Run Date - 01/20/2023 12:52:14 PM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Kroll** | **S&P** | **Kroll** | **S&P** |
| xxxxxx | 762212 | xxxxxx | xxxxxx C | N/A | N/A C B | N/A | N/A B |
| xxxxxx | 762216 | xxxxxx | xxxxxx C | N/A | N/A C | N/A | N/A |
| xxxxxx | 773203 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| xxxxxx | 773194 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| xxxxxx | 775763 | xxxxxx | xxxxxx C | N/A | N/A C B | N/A | N/A B |
| xxxxxx | 775562 | xxxxxx | xxxxxx C | N/A | N/A C B | N/A | N/A B |
| xxxxxx | 777563 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| xxxxxx | 776903 | xxxxxx | xxxxxx C | N/A | N/A C B | N/A | N/A B |
| xxxxxx | 777561 | xxxxxx | xxxxxx C | N/A | N/A C | N/A | N/A |
| xxxxxx | 780376 | xxxxxx | xxxxxx C | N/A | N/A C B | N/A | N/A B |
| xxxxxx | 778600 | xxxxxx | xxxxxx C | N/A | N/A C B | N/A | N/A B |
| xxxxxx | 777560 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| xxxxxx | 777565 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| xxxxxx | 780396 | xxxxxx | xxxxxx C | N/A | N/A C | N/A | N/A |
| xxxxxx | 778608 | xxxxxx | xxxxxx C | N/A | N/A C B | N/A | N/A B |
| xxxxxx | 780397 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| xxxxxx | 778601 | xxxxxx | xxxxxx C | N/A | N/A C B | N/A | N/A B |
| xxxxxx | 778603 | xxxxxx | xxxxxx C | N/A | N/A C B | N/A | N/A B |
| xxxxxx | 780377 | xxxxxx | xxxxxx C | N/A | N/A C B | N/A | N/A B |
| xxxxxx | 780378 | xxxxxx | xxxxxx C | N/A | N/A C B | N/A | N/A B |
| xxxxxx | 780399 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A |
| xxxxxx | 781772 | xxxxxx | xxxxxx C | N/A | N/A C B | N/A | N/A B |
| xxxxxx | 772361 | xxxxxx | xxxxxx C | N/A | N/A C | N/A | N/A |
| xxxxxx | 774190 | xxxxxx | xxxxxx C | N/A | N/A C | N/A | N/A |
| xxxxxx | 782384 | xxxxxx | xxxxxx C | N/A | N/A C | N/A | N/A |

---

## Exhibit 99.35

**EXHIBIT 99.35**

**EVOLVE DATA COMPARE**

**Data Compare**

**Run Date - 01/20/2023 12:52:14 PM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| xxxxxx | 762212 | xxxxxx | DSCR | 1.510 | 1.480 | Bid tape is 1.510. Audited value is 1.480. Gross Schedule Income is $2,800.00 divided by Monthly mortgage payment $1,892.23. |
| xxxxxx | 762212 | xxxxxx | Maturity Date |  | xxxxxx | verified |
| xxxxxx | 762212 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 762212 | xxxxxx | QM Status |  | Exempt | Verified BP Investment |
| xxxxxx | 762212 | xxxxxx | Self-Employment Flag | Y | N |  |
| xxxxxx | 762216 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 762216 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 762216 | xxxxxx | QM Status |  | Exempt | Business purpose |
| xxxxxx | 773203 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 773203 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 773203 | xxxxxx | QM Status |  | Exempt | Verified business purpose |
| xxxxxx | 773203 | xxxxxx | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Verified with loan approval loan is No Ratio and not required. |
| xxxxxx | 773194 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 773194 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 773194 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 775763 | xxxxxx | Maturity Date |  | xxxxxx | verified via note |
| xxxxxx | 775763 | xxxxxx | Note Date |  | xxxxxx | verified via note |
| xxxxxx | 775763 | xxxxxx | Property Type | PUD | Attached | Attached PUD confirmed with appraisal |
| xxxxxx | 775763 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 775562 | xxxxxx | DSCR | 0.740 |  |  |
| xxxxxx | 775562 | xxxxxx | Maturity Date |  | xxxxxx | verified on note |
| xxxxxx | 775562 | xxxxxx | Note Date |  | xxxxxx | verified on note |
| xxxxxx | 775562 | xxxxxx | QM Status |  | Exempt | Verified business purpose |
| xxxxxx | 777563 | xxxxxx | DSCR |  | 2.490 | Bid tape is Blank. Audited value is 2.490. Gross Schedule Income is $4,800.00 divided by Monthly mortgage payment $1,924.00. |
| xxxxxx | 777563 | xxxxxx | Maturity Date |  | xxxxxx | verified |
| xxxxxx | 777563 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 777563 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 777563 | xxxxxx | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Verified per loan approval transaction is DSCR. Not required for loan program/product. |
| xxxxxx | 776903 | xxxxxx | Maturity Date |  | xxxxxx | verified via Note |
| xxxxxx | 776903 | xxxxxx | Note Date |  | xxxxxx | verified via Note |
| xxxxxx | 776903 | xxxxxx | Property Type | PUD | Attached | Audited Data attached verified with appraisal, subject property is a semi attached PUD. |
| xxxxxx | 776903 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 776903 | xxxxxx | Self-Employment Flag | Y | N | DSCR No Ratio, No Income Loan Program |
| xxxxxx | 777561 | xxxxxx | Maturity Date |  | xxxxxx | Verified. |
| xxxxxx | 777561 | xxxxxx | Note Date |  | xxxxxx | Verified. |
| xxxxxx | 777561 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 780376 | xxxxxx | DSCR |  | 1.000 | No data to compare. |
| xxxxxx | 780376 | xxxxxx | Maturity Date |  | xxxxxx | Verified. |
| xxxxxx | 780376 | xxxxxx | Note Date |  | xxxxxx | Verified. |
| xxxxxx | 780376 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 778600 | xxxxxx | DSCR |  | 1.420 | Bid tape is blank. DSCR verified with Appraisal/1007, and Closing Disclosure/First payment letter. |
| xxxxxx | 778600 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 778600 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 778600 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 777560 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 777560 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 777560 | xxxxxx | QM Status |  | Exempt | Verified business purpose |
| xxxxxx | 777560 | xxxxxx | Self-Employment Flag | Y | N | DSCR No Ratio, No Income Loan Program |
| xxxxxx | 777565 | xxxxxx | DSCR | 0.570 |  | Bid tape is 0.570. Audited data is Blank. Verified per loan approval transaction is No Ratio loan program. |
| xxxxxx | 777565 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 777565 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 777565 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 777565 | xxxxxx | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Verified per loan approval transaction is No Ratio. Not required. Verified No Ratio transaction does not require employment to be documented. |
| xxxxxx | 780396 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 780396 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 780396 | xxxxxx | Property Street Address | xxxxxx | xxxxxx | Verified w/ note #xxxxxx |
| xxxxxx | 780396 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 780396 | xxxxxx | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Verified per loan approval transaction is DSCR. Not required for loan program/product. |
| xxxxxx | 778608 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 778608 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 778608 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 778608 | xxxxxx | Self-Employment Flag | Y | N | Not required for a DSCR loan. |
| xxxxxx | 780397 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 780397 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 780397 | xxxxxx | QM Status |  | Exempt | Verified business purpose |
| xxxxxx | 778601 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 778601 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 778601 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 778601 | xxxxxx | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Verified per loan approval transaction is DSCR. Not required for loan program/product. |
| xxxxxx | 778603 | xxxxxx | Maturity Date |  | xxxxxx | verified via note |
| xxxxxx | 778603 | xxxxxx | Note Date |  | xxxxxx | verified via note |
| xxxxxx | 778603 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 780377 | xxxxxx | DSCR |  | 1.000 | Bid tape is blank, DSCR is calculated with the market rents from 1007 of $2500 by the Principle, interest, taxes and insurance of $2488.41 which equals 1 |
| xxxxxx | 780377 | xxxxxx | Maturity Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 780377 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 780377 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 780378 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 780378 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 780378 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 780399 | xxxxxx | Maturity Date |  | xxxxxx | verified |
| xxxxxx | 780399 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 780399 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 781772 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 781772 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 781772 | xxxxxx | QM Status |  | Exempt |  |
| xxxxxx | 781772 | xxxxxx | Self-Employment Flag | Y | N | No Ratio, No Income Loan Program |
| xxxxxx | 772361 | xxxxxx | First Payment Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 772361 | xxxxxx | Index Type | 22 |  | Verified correct, not and ARM |
| xxxxxx | 772361 | xxxxxx | Maturity Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 772361 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 772361 | xxxxxx | Original P&I |  | 1593.71 | Verified, first 120 months I/O at 1593.71 |
| xxxxxx | 772361 | xxxxxx | Prepayment Penalty | N | Y | Verified w/ note |
| xxxxxx | 772361 | xxxxxx | Property Type | Single Family | PUD-Detached | Bid tape is Single Family. Audited data is PUD-Detached. Verified Property Type of PUD-Detached per appraisal. |
| xxxxxx | 772361 | xxxxxx | QM Status | Non-QM | Exempt | Verified Business Purpose |
| xxxxxx | 772361 | xxxxxx | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Verified per loan approval DSCR loan. Not required. |
| xxxxxx | 774190 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 774190 | xxxxxx | First Payment Date |  | xxxxxx | Verified |
| xxxxxx | 774190 | xxxxxx | QM Status | Non-QM | Exempt | Verified business purpose |
| xxxxxx | 774190 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 774190 | xxxxxx | Original P&I |  | 1812.95 | Verified |
| xxxxxx | 782384 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | dscr loan |
| xxxxxx | 782384 | xxxxxx | QM Status | Non-QM | Exempt | business purpose exempt |

---

## Exhibit 99.36

**EXHIBIT 99.36**

**EVOLVE QM ATR DATA**

![](tm234610d1_ex99-36img001.jpg)

**QM ATR Data**

**Run Date - 01/20/2023 12:52:14 PM**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| xxxxxx | 773203 | xxxxxx | Exempt | No | xxxxxx | No |  |  | 0.00% | Not Required |  | xxxxxx |  | No |  |
| xxxxxx | 777563 | xxxxxx | Exempt | No | xxxxxx | No |  |  | 0.00% | Not Required | Not Required | xxxxxx | Permanent Resident Alien | No |  |
| xxxxxx | 780376 | xxxxxx | Exempt | No | xxxxxx | No |  |  | 0.00% | Self-Employed |  | xxxxxx |  | No |  |
| xxxxxx | 778600 | xxxxxx | Exempt | No | xxxxxx | No |  |  | 0.00% | Not Required |  | xxxxxx |  | No |  |
| xxxxxx | 777565 | xxxxxx | Exempt | No | xxxxxx | No |  |  | 0.00% | Not Required |  | xxxxxx |  | No |  |
| xxxxxx | 780396 | xxxxxx | Exempt | No | xxxxxx | No |  |  | 0.00% | Not Required |  | xxxxxx |  | No |  |
| xxxxxx | 778608 | xxxxxx | Exempt | No | xxxxxx |  |  |  | 0.00% | Not Required | Not Required | xxxxxx | xxxxxx | No |  |
| xxxxxx | 780397 | xxxxxx | Exempt | No | xxxxxx | No |  |  | 0.00% | Self-Employed |  | xxxxxx |  | No |  |
| xxxxxx | 778601 | xxxxxx | Exempt | No | xxxxxx | No |  |  | 0.00% | Not Required | Not Required | xxxxxx | xxxxxx | No |  |
| xxxxxx | 780378 | xxxxxx | Exempt | No | xxxxxx |  |  |  | 0.00% | Self-Employed |  | xxxxxx |  | No |  |
| xxxxxx | 780399 | xxxxxx | Exempt | No | xxxxxx |  |  |  | 0.00% | Not Required |  | xxxxxx |  | No |  |
| xxxxxx | 781772 | xxxxxx | Exempt | No | xxxxxx | No |  |  | 0.00% | Not Required |  | xxxxxx |  | No |  |
| xxxxxx | 772361 | xxxxxx | Exempt | No | xxxxxx | No |  | xxxxxx | 0.00% | Not Required |  | xxxxxx |  | No |  |
| xxxxxx | 774190 | xxxxxx | Exempt | No | xxxxxx | No |  | xxxxxx | 0.00% | Not Required |  | xxxxxx |  | No |  |
| xxxxxx | 782384 | xxxxxx | Exempt | No | xxxxxx | No |  |  | 0.00% | Self-Employed |  | xxxxxx |  | No |  |

---

## Exhibit 99.37

**EXHIBIT 99.37**

**EVOLVE VALUATION report**

![](tm234610d1_ex99-37img001.jpg)

**Valuation Report**

**Run Date - 01/20/2023 12:52:14 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **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** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **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** |
| xxxxxx | 762212 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20211019 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Pro Teck | Reasonable | 20211019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 762216 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20211110 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Pro Teck | reasonable | 20211123 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 773203 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220510 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Low Risk | 20220510 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 773194 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220603 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | moderate | 20220607 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 775763 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220630 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | low | 20220705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| xxxxxx | 775562 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220630 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Low Risk | 20220630 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| xxxxxx | 777563 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220722 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Low Risk | 20220722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776903 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220723 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Low Risk | 20220726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 777561 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220801 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | moderate | 20220808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 780376 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220815 | xxxxxx | xxxxxx | 14.37% | 20220815 71B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778600 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220901 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Low | 20220902 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| xxxxxx | 777560 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220719 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Moderate Risk | 20220819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 777565 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220713 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Moderate Risk | 20220713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 780396 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220817 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Moderate Risk | 20220817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778608 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220813 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Moderate Risk | 20220901 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| xxxxxx | 780397 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220909 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Low | 20220927 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778601 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220729 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Low Risk | 20220729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 778603 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220808 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Low | 20220913 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| xxxxxx | 780377 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220819 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Low | 20220921 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 780378 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220916 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | moderate | 20220916 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 780399 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220929 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | Moderate Risk | 20221003 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 781772 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20221014 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Clear Capital | A | 20221019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| xxxxxx | 772361 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220614 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 774190 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 782384 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20221118 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Vision VMC LLC | A | 20221122 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.38

**EXHIBIT 99.38**

**clarifii llc ("Clarifii") executive summary**

![](tm234610d1_ex99-38img001.jpg)

**EXECUTIVE SUMMARY**

**Verus 2023-INV1**

**By Clarifii LLC on January 30, 2023**

VERUS 2023-INV1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](tm234610d1_ex99-38img001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review of 85 loans originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2023-INV1 transaction. The loans referenced in this narrative report were reviewed between 07/2022 to 01/2023 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;Wholesale | &nbsp;&nbsp;35 | &nbsp;&nbsp;41.18% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.17% |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;18 | &nbsp;&nbsp;21.18% |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;31 | &nbsp;&nbsp;36.47% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.00%** |

---

The Review consisted of a population of 85 Loans, with an aggregate principal balance of $38,100,973.00.

**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.

VERUS 2023-INV1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](tm234610d1_ex99-38img001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Methodology And Assumptions for Rating U.S. RMBS Issued 2009 and Later, February 22, 2018 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, February 2, 2021 |

---

**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;Application Date |
| &nbsp;&nbsp;ARM Initial Interest Rate |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap |
| &nbsp;&nbsp;B1 Citizen |
| &nbsp;&nbsp;B1 First Name |
| &nbsp;&nbsp;B1 Last Name |
| &nbsp;&nbsp;B1 Self Employment Flag |
| &nbsp;&nbsp;B1 SSN |
| &nbsp;&nbsp;B2 Citizen |
| &nbsp;&nbsp;B2 First Name |
| &nbsp;&nbsp;B2 Last Name |
| &nbsp;&nbsp;B2 SSN |
| &nbsp;&nbsp;Base CLTV |
| &nbsp;&nbsp;Base LTV |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Cash Out Include Debt Paid at Close |
| &nbsp;&nbsp;Closing Settlement Date |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Escrow Flag |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Guarantor 1 FTHB |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |

---

VERUS 2023-INV1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](tm234610d1_ex99-38img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount/Draw Amount |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Mortgage Origination Channel |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;QM Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Underwriting Guideline Product Name |
| &nbsp;&nbsp;Valuation Date |
| &nbsp;&nbsp;Verified Doc Type |

---

VERUS 2023-INV1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](tm234610d1_ex99-38img001.jpg)

**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:

&nbsp;&nbsp;&nbsp;&nbsp;· **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)

&nbsp;&nbsp;&nbsp;&nbsp;· **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

&nbsp;&nbsp;&nbsp;&nbsp;· **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

VERUS 2023-INV1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

![](tm234610d1_ex99-38img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;· **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

&nbsp;&nbsp;&nbsp;&nbsp;· **Fraud Review** 

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

&nbsp;&nbsp;&nbsp;&nbsp;· **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

VERUS 2023-INV1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

![](tm234610d1_ex99-38img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;· **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

VERUS 2023-INV1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

![](tm234610d1_ex99-38img001.jpg)

**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):

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final 1003 Application** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage/Deed of Trust** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Appraisal** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Sales Contract** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Title Commitment/Policy** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Junior Lien/Subordination Agreement** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage Insurance** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Flood Certification** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final Loan Estimate (LE)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final and Closing Disclosure (CD)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **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)

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&nbsp;&nbsp;&nbsp;&nbsp;· **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

&nbsp;&nbsp;&nbsp;&nbsp;· **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.

&nbsp;&nbsp;&nbsp;&nbsp;· **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.

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **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)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- 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.

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- 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.

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&nbsp;&nbsp;&nbsp;&nbsp;· **Business Purpose Loan Compliance Review** 

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

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**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.

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

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

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**VALUATION** **REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)**<br> 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.<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)**<br> Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.<br>

**INDEPENDENT** **THIRD-PARTY VALUES**

Clarifii 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:**

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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:**

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with a Freddie Mac Loan Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the loan file or ordered by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

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**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:

---

| | | | |
|:---|:---|:---|:---|
| &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;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;69 |

---

**DUE** **DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

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**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

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**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;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;35 | &nbsp;&nbsp;41.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;50 | &nbsp;&nbsp;58.82% |
| &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;**85** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;36 | &nbsp;&nbsp;42.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;49 | &nbsp;&nbsp;57.65% |
| &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;**85** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;78 | &nbsp;&nbsp;91.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;8.24% |
| &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;**85** | &nbsp;&nbsp;**100.00%** |

---

VERUS 2023-INV1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](tm234610d1_ex99-38img001.jpg)

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;85 | &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;**85** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL** **LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;70 | &nbsp;&nbsp;82.35% | &nbsp;&nbsp;$32150004.00 | &nbsp;&nbsp;82.35% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;15 | &nbsp;&nbsp;17.65% | &nbsp;&nbsp;$5950969.00 | &nbsp;&nbsp;17.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$38100973.00** | &nbsp;&nbsp;**100.00%** |

---

**Occupancy**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;85 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$38100973.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &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;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$38100973.00** | &nbsp;&nbsp;**100.0%** |

---

**Loan Purpose**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;44 | &nbsp;&nbsp;51.76% | &nbsp;&nbsp;$19816349.00 | &nbsp;&nbsp;51.76% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;41 | &nbsp;&nbsp;48.24% | &nbsp;&nbsp;$18284624.00 | &nbsp;&nbsp;48.24% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$38100973.00** | &nbsp;&nbsp;**100.0%** |

---

**Lien Position**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;85 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$38100973.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$38100973.00** | &nbsp;&nbsp;**100.0%** |

---

VERUS 2023-INV1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

![](tm234610d1_ex99-38img001.jpg)

**Original Term**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.18% | &nbsp;&nbsp;$840000.00 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;84 | &nbsp;&nbsp;98.82% | &nbsp;&nbsp;$37260973.00 | &nbsp;&nbsp;98.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$38100973.00** | &nbsp;&nbsp;**100.0%** |

---

**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;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;10 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;71 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;B1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;73 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B1 Self Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B1 SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;33 | &nbsp;&nbsp;93.94% |
| &nbsp;&nbsp;B2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B2 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Base CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Base LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Out Include Debt Paid at Close | &nbsp;&nbsp;3 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Closing Settlement Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;64 | &nbsp;&nbsp;81.25% |
| &nbsp;&nbsp;Guarantor 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |

---

VERUS 2023-INV1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

![](tm234610d1_ex99-38img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;33 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;75 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;82 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount/Draw Amount | &nbsp;&nbsp;4 | &nbsp;&nbsp;85 | &nbsp;&nbsp;95.29% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;85 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;12 | &nbsp;&nbsp;20 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;35 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;4 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;10 | &nbsp;&nbsp;82 | &nbsp;&nbsp;87.80% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;66 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;43 | &nbsp;&nbsp;88.37% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;84 | &nbsp;&nbsp;98.81% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;74 | &nbsp;&nbsp;97.30% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;61 | &nbsp;&nbsp;72.13% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;74 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;49 | &nbsp;&nbsp;95.92% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;14 | &nbsp;&nbsp;67 | &nbsp;&nbsp;79.10% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;76 | &nbsp;&nbsp;90.79% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;14 | &nbsp;&nbsp;67 | &nbsp;&nbsp;79.10% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;10 | &nbsp;&nbsp;47 | &nbsp;&nbsp;78.72% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;85 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;44 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |

---

VERUS 2023-INV1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

![](tm234610d1_ex99-38img001.jpg)

**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 Upload

&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. Waived Findings Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Rating Agency ATR/QM 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.* 

 

VERUS 2023-INV1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 22

![](tm234610d1_ex99-38img001.jpg)© 2023 Clarifii LLC. All rights reserved.

VERUS 2023-INV1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 23

## Exhibit 99.39

**EXHIBIT 99.39**

**clarifii rating agency grades detail report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller 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** |
| 772360 | xxxxxx D B A | Closed | xxxxxx | 2022-08-10 17:02 | 2022-08-16 18:27 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved- - Due Diligence Vendor-xxxxxx <br>Resolved-Upon further review, the DSCR% on the properties are included. - Due Diligence Vendo-xxxxxx <br>Counter-Lender provided a cross collateral workbook, however it did does not show the individual property DSCR% as required. - Due Diligence Vendor-xxxxxx<br>Open-Income and Employment Do Not Meet Guidelines - Missing lender's cross collateral workbook. - Due Diligence Vendor-xxxxxx |  | Resolved-Upon further review, the DSCR% on the properties are included. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 724 FICO exceeds 660 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | N/A | N/A | xxxxxx |
| 772360 | xxxxxx D B A | Closed | xxxxxx | 2022-08-10 17:25 | 2022-08-16 17:44 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Received mortgage statement showing due for xxxxxx - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing evidence that xxxxxx for primary residence was current at xxxxxx note date. Mortgage statement notes due for the xxxxxx payment. - Due Diligence Vendor-xxxxxx |  | Resolved-Housing History Meets Guideline Requirements - Received mortgage statement showing due for xxxxxx - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 724 FICO exceeds 660 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | N/A | N/A | xxxxxx |
| 772360 | xxxxxx D B A | Closed | xxxxxx | 2022-08-11 10:47 | 2022-08-12 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Lender provided hazard insurance for xxxxxx. - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Missing insurance policy for xxxxxx. Additional findings may apply as Audit's DSCR of 1.19 was based on estimate of premium extracted from HUD-1. 1.19 DSCR is less than minimum required of 1.20. - Due Diligence Vendor-xxxxxx |  | Resolved-Lender provided hazard insurance for xxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 724 FICO exceeds 660 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | N/A | N/A | xxxxxx |
| 772360 | xxxxxx D B A | Closed | xxxxxx | 2022-08-11 08:47 | 2022-08-12 13:37 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Lender provided a copy of the quit claim deed - Due Diligence Vendor-xxxxxx <br>Open-Property Title Issue - Title commitment vesting is in xxxxxx, and mortgage vested in xxxxxx Item 21 notes conveyance deed to be recorded but not provided not in file. - Due Diligence Vendor-xxxxxx |  | Resolved-Lender provided a copy of the quit claim deed - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 724 FICO exceeds 660 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | N/A | N/A | xxxxxx |
| 772360 | xxxxxx D B A | Closed | xxxxxx | 2022-08-11 09:19 | 8/12/2022 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | 1-4 Family Rider is Missing | Resolved--File contains assignment of leases and rent in lieu of 1-4 family rider. - Due Diligence Vendor-xxxxxx <br>Open-1-4 Family Rider is Missing - Due Diligence Vendor-xxxxxx |  | Resolved--File contains assignment of leases and rent in lieu of 1-4 family rider. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 724 FICO exceeds 660 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | N/A | N/A | xxxxxx |
| 772360 | xxxxxx D B A | Closed | xxxxxx | 2022-08-10 16:31 | 2022-08-11 16:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Loan has two properties and does not meet the 3 property minimum required by guidelines. Investor approval in file. - Due Diligence Vendor-xxxxxx |  | Waived--Loan has two properties and does not meet the 3 property minimum required by guidelines. Investor approval in file. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 724 FICO exceeds 660 minimum required. | DSCR>1.3. Missing insurance policy for one property; however, Audit DSCR estimate is 1.19.<br> LTV/CLTV 5% or more below the maximum allowed.<br> Credit score 20 points > minimum required, |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | Investor Post-Close | No | xxxxxx |
| 774351 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-25 13:04 | 2022-09-13 13:38 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived--Investor waiver applied to non-material finding.<br> Letter from licensed structural engineer dated xxxxxx provided stating no structural deficiencies to the subject building noted. - Due Diligence Vendor-xxxxxx Counter--Lender response: xxxxxx Email / xxxxxx Letter / xxxxxx Structural Assessment.<br> - No documentation provided to address rebuttal, documents in file are from 7/2021 with commentary that a follow-up letter would be provide upon completion which has not been provided. Finding remains. - Due Diligence Vendor-xxxxxx <br> Open-Missing follow-up letter to engineer's letter dated xxxxxx stating that no structural deficiencies observed to date that would warrant emergency shoring or evacuation, however, this letter was dated in xxxxxx and also is noting that a follow up letter to be provided once review completed. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding.<br> - Letter dated xxxxxx provided showing not conditions that would warrant emergency shoring or evacuation although notable deterioration has been uncovered and work is being addressed. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 701 qualifying FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774351 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-25 13:01 | 2022-09-13 10:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived--Investor Waiver: We are okay with this please complete<br> - Due Diligence Vendor-xxxxxx <br>Open-Non-Warrantable condominiums are ineligible per guidelines. File includes a non-warrantable project approval. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: We are okay with this please complete<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 701 qualifying FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774351 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-25 12:59 | 2022-09-13 10:21 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Open-Asset Qualification Does Not Meet Guideline Requirements - Missing borrower's ownership of business for use of xxxxxx. 100% used by Audit. Additional findings may apply. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - ST - DSCR exceeds minimum requirement under applicable guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 701 qualifying FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774351 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-25 11:59 | 2022-09-13 10:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing evidence of 10/2021 rental payment.- xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - ST - DSCR exceeds minimum requirement under applicable guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 701 qualifying FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 774351 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-25 11:23 | 2022-09-07 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Partial | Resolved--Received renewal polcy - Due Diligence Vendor-xxxxxx <br>Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br>Open-HO-6 Master Insurance Policy Partially Provided - Missing renewal policy for blanket insurance since policy period ends xxxxxx, or within two months of note date. This is not escrowed (blanket) therefore, considered material - Due Diligence Vendor-xxxxxx |  | Resolved--Received renewal polcy - Due Diligence Vendor-xxxxxx<br> Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 701 qualifying FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774351 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-25 11:21 | 2022-09-07 12:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Flood Insurance Policy is fully present - Received renewal policy - Due Diligence Vendor-xxxxxx <br>Open-Flood Insurance Policy Partially Provided - Missing renewal policy for flood insurance since policy period ends xxxxxx, or within two months of note date. This is not escrowed, therefore, considered material - Due Diligence Vendor-xxxxxx |  | Resolved-Flood Insurance Policy is fully present - Received renewal policy - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 701 qualifying FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774351 | xxxxxx D B A C | Closed | xxxxxx | 2022-07-25 11:44 | 2022-08-19 18:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved--Documentation in file supports loan being investment property without evidence of personal use. - Due Diligence Vendor-xxxxxx <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-xxxxxx |  | Resolved--Documentation in file supports loan being investment property without evidence of personal use. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 701 qualifying FICO exceeds 680 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 774705 | xxxxxx D A | Closed | xxxxxx | 2022-09-15 10:46 | 2022-09-20 12:58 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved--Received final HUD showing debt paid at closing - Due Diligence Vendor-xxxxxx <br>Open--Provide documentation to support Pre-Paid Interest agreement dated xxxxxx between xxxxxx and xxxxxx has been paid off or to be paid at closing. - Due Diligence Vendor-xxxxxx |  | Resolved--Received final HUD showing debt paid at closing - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 34.46% is less than guideline maximum 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 674 is at least 20 points above minimum for program 620. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 774705 | xxxxxx D A | Closed | xxxxxx | 2022-09-15 10:35 | 2022-09-20 12:57 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Final HUD shows lien, taxes and judgment paid in full - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br>Open-Property Title Issue - Title reflect existing lien and Judgement lien. Provide updated title and documentation to support current status of existing lien, taxes and Judgement or document that it has been paid off or to be paid at closing. - Due Diligence Vendor-xxxxxx |  | Resolved--Final HUD shows lien, taxes and judgment paid in full - Due Diligence Vendor-xxxxxx <br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 34.46% is less than guideline maximum 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 674 is at least 20 points above minimum for program 620. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 774705 | xxxxxx D A | Closed | xxxxxx | 2022-09-15 10:29 | 2022-09-20 12:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 34.83 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-xxxxxx <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) - Missing final CD or Settlement statement to determine cash to borrower. No other reserves documentation provided nor listed on 1003. Remains material - Due Diligence Vendor-xxxxxx |  | Resolved-Audited Reserves of 34.83 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 34.46% is less than guideline maximum 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 674 is at least 20 points above minimum for program 620. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 774705 | xxxxxx D A | Closed | xxxxxx | 2022-09-14 12:59 | 2022-09-20 12:52 | Resolved | 1 - Information D A | Credit | Missing Doc | TRID: Missing Closing Disclosure | Resolved--Received final HUD - Due Diligence Vendor-xxxxxx <br>Open-TRID: Missing Final Closing Disclosure Missing settlement statement or final closing disclosure-Statute of Limitations - one year. - Due Diligence Vendor-xxxxxx |  | Resolved--Received final HUD - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 34.46% is less than guideline maximum 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 674 is at least 20 points above minimum for program 620. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775169 | xxxxxx B A | Closed | xxxxxx | 2022-08-03 09:19 | 2022-08-03 11:43 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 708 is 48 points higher than required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775709 | xxxxxx C B A | Closed | xxxxxx | 2022-09-07 15:39 | 2022-09-26 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Received mortgage statement and 9 month pay history for xxxxxx with no lates. File documents primary residence with a 13 month history, no lates. Other properties, xxxxxx and xxxxxx, were acquired at the same time therefore do not have a mortgage history. - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Housing History Does Not Meet Guideline Requirements - Missing 12-month housing history for xxxxxx meeting guideline requirement of 1x30x12. File contained mortgage statements showing xxxxxx payments made as well as an account summary showing xxxxxx origination date.<br> - Missing 12-month housing history for xxxxxx. File contained copy of a flood cert for this property only. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Housing History Meets Guideline Requirements - Received mortgage statement and 9 month pay history for xxxxxx with no lates. File documents primary residence with a 13 month history, no lates. Other properties, xxxxxx and xxxxxx, were acquired at the same time therefore do not have a mortgage history. - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 695 FICO exceeds 660 minimum required. |  | VOM - PAYMENT HISTORY(1).pdf<br>MORTGAGE STATEMENT - OTHER REO(4).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775709 | xxxxxx C B A | Closed | xxxxxx | 2022-09-07 16:17 | 2022-09-26 10:53 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved--Received requested CPA letter - Due Diligence Vendor-xxxxxx <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Counter- - Due Diligence Vendor-xxxxxx <br>Counter--Received business documents. Missing CPA letter stating use of business funds will not have a negative impact on the business. Finding remains - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Asset Record 2 Does Not Meet G/L Requirements - Missing CPA letter verifying that the withdrawal of funds for the transaction will not have a negative impact on the business. Business funds from xxxxxx needed for closing and reserves. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx<br>| Resolved--Received requested CPA letter - Due Diligence Vendor-xxxxxx <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 695 FICO exceeds 660 minimum required. |  | BUSINESS LICENSE.pdf<br>CPA letter.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775709 | xxxxxx C B A | Closed | xxxxxx | 2022-09-07 15:59 | 2022-09-26 10:52 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved--Received all documentation to accurately calculate available assets - Due Diligence Vendor-xxxxxx <br>Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. See if you can open these documents- split them in xxxxxx - Seller-xxxxxx <br>Counter--Document for xxxxxx is corrupt, unable to open and view. - Received documents for other 2 properties - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Asset Qualification Does Not Meet Guideline Requirements - Unable to accurately determine assets available for subject transaction. Docs in file reflect additional properties recently purchased including xxxxxx, xxxxxx, and xxxxxx. Provide breakdown of each newly purchase property with the assets used for each so that xxxxxx can determine that borrower has the funds and reserves. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. See if you can open these documents- split them in 2 sep - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx<br>| Resolved--Received all documentation to accurately calculate available assets - Due Diligence Vendor-xxxxxx <br>Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 695 FICO exceeds 660 minimum required. |  | xxxxxx CD.pdf<br>xxxxxx.pdf<br>BANK STATEMENTS - ASSETS(25).pdf<br>xxxxxx.pdf<br>BANK STATEMENTS - ASSETS(24).pdf<br>BANK STATEMENTS - ASSETS(26).pdf<br>xxxxxx pt 2.pdf<br>xxxxxx pt 1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 775709 | xxxxxx C B A | Closed | xxxxxx | 2022-09-07 15:39 | 2022-09-08 09:31 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing DSCR, considered non material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing DSCR, considered non material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - 75% is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 695 FICO exceeds 660 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775709 | xxxxxx C B A | Closed | xxxxxx | 2022-09-07 15:01 | 2022-09-08 09:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - 75% is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 695 FICO exceeds 660 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775882 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 15:59 | 2022-09-23 16:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-- Deemed non-material as borrower is renting out their departure residence to move closer to family in xxxxxx and start a family. Per appraisal property is currently tenant occupied. Borrower has own the property since xxxxxx. FICO 46 points above minimum and LTV is 5% below maximum. - Due Diligence Vendor-xxxxxx <br>Open--Per guideline for DSCR program borrowers must presently own their primary residence. However 1003 and Borrower explanation letter reflect living rent free. Lender exception in file but not approved by the Investor. - Due Diligence Vendor-xxxxxx |  | Waived-- Deemed non-material as borrower is renting out their departure residence to move closer to family in xxxxxx and start a family. Per appraisal property is currently tenant occupied. Borrower has own the property since xxxxxx. FICO 46 points above minimum and LTV is 5% below maximum. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 65% is less than guideline maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 686 is at least 20 points above minimum for program 640. | -LTV 5% below maximum.<br> -3 months of reserves over limit. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 775882 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 16:22 | 2022-09-21 07:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Received documentation to support SS# verification - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Fraud Report Shows Uncleared Alerts - Verify the borrower's identity - name & SSN. Confirm true phone number through two different independent sources, and contact individual on ID. Obtain documentation to confirm borrower identity using SSA direct verification and obtain copies of driver's license and/or social security card. Also, SSN has not been issued by the Social Security Administration or SSN was issued by the Social Security administration after xxxxxx.<br> - No documentation provided to clear alerts. Permanent resident card confirm name and DOB but not SSN.<br>- Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-All Fraud Report Alerts have been cleared or None Exist - Received documentation to support SS# verification - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 65% is less than guideline maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 686 is at least 20 points above minimum for program 640. |  | xxxxxx clear.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775882 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 07:13 | 2022-09-21 07:16 | Waived | 2 - Non-Material A B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived--Received new HOI/Landlord policy post-close with Fair Rental Value to meet guideline requirements. This policy replaces previous policy and is with same company, Progressing. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived--Received new HOI/Landlord policy post-close with Fair Rental Value to meet guideline requirements. This policy replaces previous policy and is with same company, Progressing. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 65% is less than guideline maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 686 is at least 20 points above minimum for program 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 775882 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 16:08 | 2022-09-21 07:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved--Received new HOI/Landlord policy with Fair Rental Value included - Due Diligence Vendor-xxxxxx <br>Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Counter--Received same policy already in file. Policy provided is not a Landlord policy and does not contain 6 months of rent loss insurance - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. Property is not condo - see HOI- Loss of Use included on policy w/ sufficient coverage<br> - Seller-xxxxxx <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Per guideline require rent loss insurance for the subject property and must equal at least 6 months of local average monthly rents. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. Property is not condo - see HOI- Loss of Use included on policy w/ sufficient coverage<br> - Seller-xxxxxx<br>| Resolved--Received new HOI/Landlord policy with Fair Rental Value included - Due Diligence Vendor-xxxxxx<br> Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 65% is less than guideline maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 686 is at least 20 points above minimum for program 640. |  | HOI - HAZARD INSURANCE(28).pdf<br>landlord policy xxxxxx.pdf<br>xxxxxx RCE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775882 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 16:01 | 2022-09-16 08:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing benefit to Borrower form | Resolved--Agree, subject loan is cash out with xxxxxx to borrower at closing - Due Diligence Vendor-xxxxxx <br>Ready for Review-Loan is a refi w/ cash out - that is the benefit to borrower - - Seller-xxxxxx <br>Open- - Due Diligence Vendor-xxxxxx | Ready for Review-Loan is a refi w/ cash out - that is the benefit to borrower - - Seller-xxxxxx<br>| Resolved--Agree, subject loan is cash out with xxxxxx to borrower at closing - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 65% is less than guideline maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 686 is at least 20 points above minimum for program 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775882 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 16:09 | 2022-09-14 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved--Received LOE from borrower - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open--Per guideline a signed letter from the borrower disclosing the purpose of the cash-out is required on all cash-out transactions. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx<br>| Resolved--Received LOE from borrower - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 65% is less than guideline maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 686 is at least 20 points above minimum for program 640. |  | LOE REASON FOR CASH-OUT_ BENEFIT TO BORROWER(2).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775882 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 16:03 | 2022-09-08 19:39 | Waived | 2 - Non-Material B | Credit | Missing Doc | The Final 1003 is Incomplete | Waived-The Final 1003 is Incomplete - Per guide require final 1003 to reflect the purpose of the cash-out . LOE in file from borrower, therefore considered non material.Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-The Final 1003 is Incomplete - Per guide require final 1003 to reflect the purpose of the cash-out . LOE in file from borrower, therefore considered non material.Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 65% is less than guideline maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 686 is at least 20 points above minimum for program 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 775903 | xxxxxx C A | Closed | xxxxxx | 2022-09-09 13:45 | 2022-09-12 09:41 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved--Received letter from prior Insurance company stating no claims have been made during the policy period prior to new policy being issued. - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. See attached evidence for no claim.<br> Also, pls. find attached revised IEADS and Payment letter reflecting update on the HOI due date and payment amount. - Seller-xxxxxx <br>Open--NEW - Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Rec'd new policy issued xxxxxx to meet coverage requirements; missing evidence that no claims have been filed on property from note date to issuance of new policy. - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. See attached evidence for no claim.<br> Also, pls. find attached revised IEADS and Payment letter reflecting update on the HOI due date and payment amount. - Seller-xxxxxx | Resolved--Received letter from prior Insurance company stating no claims have been made during the policy period prior to new policy being issued. - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.25 - - New DSCR is 1.32<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 25 points above minimum required. |  | xxxxxx_EVIDENCE FOR NO CLAIMS -2.pdf<br>xxxxxx_Initial Escrow Account Disclousure statement (1).pdf<br>xxxxxx_EVIDENCE FOR NO CLAIMS.pdf<br>xxxxxx_Payment Letter to borrower (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775903 | xxxxxx C A | Closed | xxxxxx | 2022-08-15 16:22 | 2022-09-09 13:45 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount (Replacement Cost Estimator Provided by Insurer is Not Provided) | Resolved-The Replacement Cost Estimator from the Insurer was provided or the Coverage Amount - Hazard Insurance is equal to or greater than the Required Coverage Amount. - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. See attached RCE and updated HOI with payment receipt - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Coverage Amount - Hazard Insurance is less than the Required Coverage Amount (A Replacement Cost Estimator from the Insurer was not provided) - Dwelling Coverage does not meet loan amount and proof of additional coverage or RCE was not provided. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. See attached RCE and updated HOI with payment receipt - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-The Replacement Cost Estimator from the Insurer was provided or the Coverage Amount - Hazard Insurance is equal to or greater than the Required Coverage Amount. - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.25 - - New DSCR is 1.32<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 25 points above minimum required. |  | xxxxxx_COMMERICAL PROP INS.pdf<br>xxxxxx_RCE.pdf<br>xxxxxx_HOI PROOF OF PMT RECEIPT.pdf<br>xxxxxx_RCE.pdf<br>xxxxxx_COMMERICAL PROP INS - UPDATED.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775903 | xxxxxx C A | Closed | xxxxxx | 2022-08-15 17:08 | 2022-08-25 09:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved--Received asset documentation to support required reserves - Due Diligence Vendor-xxxxxx <br> Resolved-Audited Reserves of 86.9 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Cash-out used for reserves by Lender; not allowed under program matrix xxxxxx - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx<br>| Resolved--Received asset documentation to support required reserves - Due Diligence Vendor-xxxxxx <br> Resolved-Audited Reserves of 86.9 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-xxxxxx<br>| DSCR % greater than 1.25 - - New DSCR is 1.32<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 25 points above minimum required. |  | xxxxxx_2022-07-14 Statement - xxxxxx PERSONAL 2849.pdf<br>xxxxxx_1008.pdf<br>xxxxxx_100% ACCESS LETTER.pdf<br>xxxxxx_FINAL 1003 WITH PERSONAL CHECKING ACCOUNT FOR RESERVE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 775948 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 19:25 | 2022-09-15 10:50 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Open--NEW - Missing sufficient HOI. Hazard Coverage including other structures and extended replacement of 125% = $233,550 which is less than loan amount and cost new per appraisal. Appears loan amount was increased from from prior pre-close submission. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Employed at same job > 2 years - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 58 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775948 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 17:20 | 2022-09-13 12:14 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Waived--Client rebuttal: The request for an exception to xxxxxx's eligibility criteria is granted.<br> --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br> Counter--Received 24 month history for xxxxxx however, guidelines require 2 accounts with a 24 month history. File contains LOE for xxxxxx but 24 month history is missing. - Due Diligence Vendor-xxxxxx <br> Open--Per guideline require evidence of (2) open tradelines reporting for two (2) years with activity in the most recent 12 months. No derogatory credit history is permitted within the 2-year history under review. Received executed explanation letter from Borrower reflecting new account xx1650 and increased credit limit of $2900. Does not meet guideline requirement as acceptable documentation are Credit Reference letter(s) from a verified financial institution in the borrower's country of origin or credit card statements minimum of twelve (12) recent credit card statements reflecting a timely payment history.<br> - Received 7-month statements for xxxxxx. However, documents are not in English. Also, received word document with account #6929 and reflects 14-month account history. However, does not meet guideline requirement of all documents must be translated to English; document to reflect 12 month payment history; account holder name and other account information; currency must be converted to U.S. Dollars and signed and dated by certified translator.<br> - Due Diligence Vendor-xxxxxx |  | Waived--Client rebuttal: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Employed at same job > 2 years.<br> --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 58 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775948 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 19:11 | 2022-09-06 15:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved--Received bank statement with borrowers primary/foreign address - Due Diligence Vendor-xxxxxx <br>Open--1003 reflect Foreign address. Guideline require Borrower to provide a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement. Bank statements in file reflect xxxxxx address. - Due Diligence Vendor-xxxxxx |  | Resolved--Received bank statement with borrowers primary/foreign address - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 58 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776656 | xxxxxx D B A | Closed | xxxxxx | 2022-08-22 10:43 | 2022-10-05 11:03 | Resolved | 1 - Information A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved--Document provided. - Due Diligence Vendor-xxxxxx <br>Open--Questionnaire missing from file. - Due Diligence Vendor-xxxxxx |  | Resolved--Document provided. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 31.09 months reserves is 26.09 months greater than required 5 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 740 is 100 points higher than minimum 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776656 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 11:18 | 2022-09-20 13:24 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Open-- Required on all condominiums - Due Diligence Vendor-xxxxxx <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-xxxxxx |  | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 31.09 months reserves is 26.09 months greater than required 5 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 740 is 100 points higher than minimum 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776656 | xxxxxx D B A | Closed | xxxxxx | 2022-09-16 09:17 | 2022-09-16 15:03 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived--Investor waiver applied to non-material finding<br> - Deemed non-material for missing rent loss with borrower having 31+ months reserves. - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Policy is missing required 6 months rental loss coverage. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding<br> - Deemed non-material for missing rent loss with borrower having 31+ months reserves. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 31.09 months reserves is 26.09 months greater than required 5 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 740 is 100 points higher than minimum 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776656 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 16:24 | 2022-09-16 14:59 | Resolved | 1 - Information C A | Credit | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved--DSCR investor loan not subject to RESPA - Due Diligence Vendor-xxxxxx <br>Open-Final CD disbursement date of xxxxxx is prior to closing date of xxxxxx. Change of Circumstance in file, dated xxxxxx requires Post Close CD. <br> Please provide Post Close CD with disbursement date after closing date of xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--DSCR investor loan not subject to RESPA - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 31.09 months reserves is 26.09 months greater than required 5 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 740 is 100 points higher than minimum 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776656 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 10:26 | 2022-09-16 14:57 | Resolved | 1 - Information A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-DSCR guidelines provided. - Due Diligence Vendor-xxxxxx <br>Open--Loan approved as DSCR 30 per approval in file,. Portfolio Reduced Doc Program does not allow or provide guidelines for DSCR loans. - Due Diligence Vendor-xxxxxx |  | Resolved-DSCR guidelines provided. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 31.09 months reserves is 26.09 months greater than required 5 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 740 is 100 points higher than minimum 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776656 | xxxxxx D B A | Closed | xxxxxx | 2022-08-22 09:21 | 2022-09-16 10:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved- - Due Diligence Vendor-xxxxxx <br>Open-The Business Purpose Affidavit Disclosure is Missing - documentation supports loan being an investment property, not for personal use. - Due Diligence Vendor-xxxxxx |  |  | Months Reserves exceed minimum required - - Verified 31.09 months reserves is 26.09 months greater than required 5 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 740 is 100 points higher than minimum 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776656 | xxxxxx D B A | Closed | xxxxxx | 2022-08-22 10:12 | 2022-09-12 13:49 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report required per guideline. DSCR loan, considered non material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing soft pull credit report required per guideline. DSCR loan, considered non material. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 31.09 months reserves is 26.09 months greater than required 5 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 740 is 100 points higher than minimum 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776656 | xxxxxx D B A | Closed | xxxxxx | 2022-08-22 10:14 | 2022-09-12 13:41 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Considered non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Considered non-material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 31.09 months reserves is 26.09 months greater than required 5 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 740 is 100 points higher than minimum 640. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 775948 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 17:18 | 2023-01-11 18:58 | Resolved | 1 - Information D A | Credit | Missing Doc | The Final 1003 is Incomplete | Resolved--Received bank statement with borrowers primary/foreign address - Due Diligence Vendor-xxxxxx <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx <br>Rescinded-The Final 1003 is Incomplete -1003 reflect Foreign address. Guideline require Borrower to provide a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement. Bank statements in file reflect xxxxxx address. - Due Diligence Vendor-xxxxxx |  | Resolved--Received bank statement with borrowers primary/foreign address - Due Diligence Vendor-xxxxxx <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx <br> Rescinded-The Final 1003 is Incomplete -1003 reflect Foreign address. Guideline require Borrower to provide a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement. Bank statements in file reflect xxxxxx address. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 58 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776721 | xxxxxx D B A | Closed | xxxxxx | 2022-09-16 08:38 | 2022-10-21 16:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted.<br> - Due Diligence Vendor-xxxxxx <br> Counter--Client Rebuttal: Borrower has enough reserves to pay off that amount. For divorce decree, it should not matter how much the obligations are as we are qualifying the borrower with the subject's cash flow.<br> -(AUDIT RESPONSE) Per guidelines 14.6 any individual collection and non-mortgage charge-off accounts equal to or greater than $250 and accounts that total more than $1,000 must be paid in full prior to or at closing; Agree that xxxxxx obligation is non-material for DSCR program. - Due Diligence Vendor-xxxxxx <br> Counter--Client Rebuttal: This is a DSCR Program so the borrower should be qualified. Please have your underwriter to review this one more time going based of the DSCR guideline.<br> -(AUDIT RESPONSE) Please refer to Foreign National/ITIN/Investor guidelines section 14.6 Payment of Derogatory Amounts. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements - Credit report reflect xxxxxx account with an outstanding balance $12667 and charge off date 1/2021. Does not meet guideline requirement of non-mortgage charge-off accounts equal to or greater than $250 and accounts that total more than $1,000 must be paid in full prior to or at closing. Also, CD reflect payoff $3603.78 to xxxxxx account for xxxxxx. No Divorce decree provided to support Borrower obligation or account ownership. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - DSCR > 1.3<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 129 exceed minimum required 10.<br>DSCR % greater than 1.25 - DSCR of 1.61<br>LTV is less than guideline maximum - LTV 50% is less than guideline maximum 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776721 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 14:12 | 2022-10-20 12:17 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Rec'd updated credit refresh to confirm all mortgages were paid as agreed 0x30 through closing. - Due Diligence Vendor-xxxxxx <br> Counter--Received credit refresh dated 06/03/22 -(AUDIT RESPONSE) Refresh report shows DLA as 04/22. Missing evidence all mortgages on credit report are due for 05/01/2022 payment as guidelines required 0x30x12. Document provided is insufficient - Due Diligence Vendor-xxxxxx <br> Counter--Client rebuttal: Please see the attached file for the Credit Refresh <br> -(AUDIT RESPONSE) Received bank statement for unknown person(s) - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Credit report dated 4/19/2022 reflect for all REO's owned, 4 mortgaged properties date last active xxxxxx. Note date xxxxxx. Provide documentation to reflect April and May payment to meet guideline allowed 0x30 during the past 12 months. - Borrower primary residence xxxxxx statement in file reflect late charges and next payment due 4/1/2022. Provide documentation to support April and May payment and no late payment. - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd updated credit refresh to confirm all mortgages were paid as agreed 0x30 through closing. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 129 exceed minimum required 10.<br>DSCR % greater than 1.25 - DSCR of 1.61<br>LTV is less than guideline maximum - LTV 50% is less than guideline maximum 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776721 | xxxxxx D B A | Closed | xxxxxx | 2022-08-18 18:02 | 2022-09-26 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Received all pages of Note - Due Diligence Vendor-xxxxxx <br>Open-The Note is Incomplete Note is missing page 2 of 3. Unable to validate late charge criteria. - Due Diligence Vendor-xxxxxx |  | Resolved-The Note is Present - Received all pages of Note - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 129 exceed minimum required 10.<br>DSCR % greater than 1.25 - DSCR of 1.61<br>LTV is less than guideline maximum - LTV 50% is less than guideline maximum 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776721 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 13:48 | 2022-09-16 15:03 | Resolved | 1 - Information A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved--DSCR guidelines provided. - Due Diligence Vendor-xxxxxx <br>Open-- Underwriting condition sheet reflect Program DSCR 30. However, does not meet guideline as DSCR not an approved program as per guidelines. Audit used reduced document guideline to qualify. - Due Diligence Vendor-xxxxxx |  | Resolved--DSCR guidelines provided. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 129 exceed minimum required 10.<br>DSCR % greater than 1.25 - DSCR of 1.61<br>LTV is less than guideline maximum - LTV 50% is less than guideline maximum 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776721 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 13:20 | 2022-09-16 09:02 | Resolved | 1 - Information B A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Missing - Documentation supports loan being an investment property, not for personal use. - Due Diligence Vendor-xxxxxx |  | Resolved-The Business Purpose Affidavit Disclosure is Missing - Documentation supports loan being an investment property, not for personal use. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 129 exceed minimum required 10.<br>DSCR % greater than 1.25 - DSCR of 1.61<br>LTV is less than guideline maximum - LTV 50% is less than guideline maximum 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776721 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 15:33 | 2022-09-12 21:21 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open--Deemed non-material; DSCR ratio of 1.61, over 120 months of reserves and LTV 5%= below maximum. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 129 exceed minimum required 10.<br>DSCR % greater than 1.25 - DSCR of 1.61<br>LTV is less than guideline maximum - LTV 50% is less than guideline maximum 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776721 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 13:29 | 2022-09-12 15:42 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. Finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. Finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 129 exceed minimum required 10.<br>DSCR % greater than 1.25 - DSCR of 1.61<br>LTV is less than guideline maximum - LTV 50% is less than guideline maximum 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776766 | xxxxxx D B A | Closed | xxxxxx | 2022-08-24 09:00 | 2022-09-19 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved--Received fully executed lease for unit xxxxxx - Due Diligence Vendor-xxxxxx <br>Open--Missing lease agreement for unit xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Received fully executed lease for unit xxxxxx - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - The borrower has 101 months eligible reserves with a required reserve amount of 8 months.<br>Ontime mortgage history exceeds guideline requirement - Borrower has 33 months on-time housing history versus 12 months required by guidelines. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776766 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 15:55 | 2022-09-15 15:32 | Resolved | 1 - Information D A | Credit | Closing | The Deed of Trust is Incomplete | Resolved--Rec'd Full DOT with Exhibit A attached. - Due Diligence Vendor-xxxxxx <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-xxxxxx <br>Open-The Deed of Trust is Incomplete - Missing Exhibit A for legal description - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd Full DOT with Exhibit A attached. - Due Diligence Vendor-xxxxxx<br> Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - The borrower has 101 months eligible reserves with a required reserve amount of 8 months.<br>Ontime mortgage history exceeds guideline requirement - Borrower has 33 months on-time housing history versus 12 months required by guidelines. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776766 | xxxxxx D B A | Closed | xxxxxx | 2022-08-25 11:48 | 2022-08-26 17:14 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived--Investor wavier applied to non-material finding. - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Missing the amount of Fair Rent Loss, policy states 'Included', guidelines require 6 months of rent loss of $16,200 - Due Diligence Vendor-xxxxxx |  | Waived--Investor wavier applied to non-material finding. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - The borrower has 101 months eligible reserves with a required reserve amount of 8 months.<br>Ontime mortgage history exceeds guideline requirement - Borrower has 33 months on-time housing history versus 12 months required by guidelines. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776766 | xxxxxx D B A | Closed | xxxxxx | 2022-08-25 11:23 | 2022-08-25 11:51 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report. Loan is a DSCR and supplemental credit report show mortgage current. Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report. Loan is a DSCR and supplemental credit report show mortgage current. Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - The borrower has 101 months eligible reserves with a required reserve amount of 8 months.<br>Ontime mortgage history exceeds guideline requirement - Borrower has 33 months on-time housing history versus 12 months required by guidelines. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776769 | xxxxxx B A | Closed | xxxxxx | 2022-08-26 10:22 | 2022-08-26 13:56 | Resolved | 1 - Information B A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Missing - Documentation supports loan being an investment property, not for personal use - Due Diligence Vendor-xxxxxx |  | Resolved-The Business Purpose Affidavit Disclosure is Missing - Documentation supports loan being an investment property, not for personal use - Due Diligence Vendor-xxxxxx | Ontime mortgage history exceeds guideline requirement - -36 months paid as agreed Mortgage History exceeds 12 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776769 | xxxxxx B A | Closed | xxxxxx | 2022-08-25 12:36 | 2022-08-26 10:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 16.17 month(s) are less than Guideline Required Reserves of 18 month(s) - 1031 exchange is not eligible for reserves, short 1.83 months reserves. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited Reserves of 16.17 month(s) are less than Guideline Required Reserves of 18 month(s) - 1031 exchange is not eligible for reserves, short 1.83 months reserves. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Ontime mortgage history exceeds guideline requirement - -36 months paid as agreed Mortgage History exceeds 12 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776790 | xxxxxx D B A | Closed | xxxxxx | 2022-08-22 16:43 | 2022-09-22 09:41 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the payoff statement in the file reports due for Feb 2022. - Due Diligence Vendor-xxxxxx <br>Counter--Received same documentation already in file. Missing evidence of xxxxxx monthly mortgage payment for xxxxxx - Due Diligence Vendor-xxxxxx <br>Open-Housing History Does Not Meet Guideline Requirements - CR reflect last payment 12/2021. Does not meet guideline requirement as housing debt must be current at the time of application and remain paid as agreed through the date of closing xxxxxx. Provide proof of xxxxxx payment. - Due Diligence Vendor-xxxxxx |  | Resolved-Upon further review, the payoff statement in the file reports due for Feb 2022. - Due Diligence Vendor xxxxxx | Months Reserves exceed minimum required - 63 additional months in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 754 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776790 | xxxxxx D B A | Closed | xxxxxx | 2022-08-25 13:09 | 2022-09-09 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved--Received evidence that xxxxxx payments made. - Due Diligence Vendor-xxxxxx <br>Open-First payment was due on xxxxxx. History does not show pmts for xxxxxx. History shows last paid xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--Received evidence that 4/22, 5/22, 6/22, and 7/22 payments made. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 63 additional months in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 754 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776790 | xxxxxx D B A | Closed | xxxxxx | 2022-08-22 16:24 | 2022-08-26 17:26 | Waived | 2 - Non-Material D B | Credit | Missing Doc | The Final 1003 is Incomplete | Waived--Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx <br>Open--Deemed non-material as loan is DSCR - Due Diligence Vendor-xxxxxx <br>Open-The Final 1003 is Incomplete - Per guideline require a two (2) year current employment history on the application, unless income is derived from non-employment sources such as pension, retirement, social security benefits, etc. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 63 additional months in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 754 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776790 | xxxxxx D B A | Closed | xxxxxx | 2022-08-22 15:37 | 2022-08-25 13:05 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - DSCR loan, therefore, considered non material - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - DSCR loan, therefore, considered non material - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 63 additional months in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 754 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776791 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-22 17:17 | 2022-09-23 11:11 | Waived | 2 - Non-Material A B | Credit | Missing Doc | Missing letter of explanation | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> xxxxxx on and operational picture reflect property address xxxxxx, which appears to be a typo as photos match same xxxxxx as valuation photos. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 6 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 778 is at least 20 points above minimum for program 720.<br>Months Reserves exceed minimum required - - Months Reserves 171 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776791 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 20:35 | 2022-09-23 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved--Payment history for April provided. - Due Diligence Vendor-xxxxxx <br>Counter--Missing evidence of xxxxxx payment. All other payment received - Due Diligence Vendor-xxxxxx <br>Open-- Per Note 1st payment due xxxxxx. Missing payment history for xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Payment history for April provided. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 778 is at least 20 points above minimum for program 720.<br>Months Reserves exceed minimum required - - Months Reserves 171 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776791 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 18:12 | 2022-09-23 11:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-- Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Open--Appraisal reflect xxxxxx unit property and each unit xxxxxx, Does not meet guideline as per guideline for xxxxxx require xxxxxx square feet per unit. - Due Diligence Vendor-xxxxxx |  | Waived-- Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 6 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 778 is at least 20 points above minimum for program 720.<br>Months Reserves exceed minimum required - - Months Reserves 171 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776791 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 17:47 | 2022-09-22 17:15 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--No value given to shed and no noted health and safety issues with interior finishes or missing xxxxxx. - Due Diligence Vendor-xxxxxx <br>Open--Appraisal picture reflect storage shed but no interior pictures provided. - Missing comment from Appraiser on the xxxxxx missing and exterior need maintenance. - Due Diligence Vendor-xxxxxx |  | Resolved--No value given to shed and no noted health and safety issues with xxxxxx. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 778 is at least 20 points above minimum for program 720.<br>Months Reserves exceed minimum required - - Months Reserves 171 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776791 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-25 13:42 | 2022-09-15 17:42 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Open-Title Coverage Amount of $169000 is Less than Total Amount of Subject Lien(s) of $xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 778 is at least 20 points above minimum for program 720.<br>Months Reserves exceed minimum required - - Months Reserves 171 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776791 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 17:40 | 2022-08-30 18:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 778 is at least 20 points above minimum for program 720.<br>Months Reserves exceed minimum required - - Months Reserves 171 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776791 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 17:51 | 2022-08-30 17:16 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open--Deemed non-material as borrower as over 171 months reserves. - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Provide HOI binder with Six (6) month rent loss insurance as required per guideline. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 778 is at least 20 points above minimum for program 720.<br>Months Reserves exceed minimum required - - Months Reserves 171 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776791 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-26 16:21 | 2022-08-26 17:31 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open--Deemed non-material as loan is DSCR. - Due Diligence Vendor-xxxxxx <br>Open-A two (2) year current employment history must be reflected on the application, unless income is derived from non-employment sources such as pension, retirement, social security benefits, etc. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 778 is at least 20 points above minimum for program 720.<br>Months Reserves exceed minimum required - - Months Reserves 171 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776791 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 20:04 | 2022-08-26 17:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Waived--Investor waiver applied to non-material findings. - Due Diligence Vendor-xxxxxx <br>Open--Deemed non-material as subject loan is a DSCR and is not qualifying with PITIA of other properties. - Due Diligence Vendor-xxxxxx <br>Open-Fraud Report Shows Uncleared Alerts - Fraud report reflect Borrower owns multiple properties and owner of xxxxxx but not listed on 1003. Provide an updated 1003 or document Borrower is not an owner of the property. 1003 reflect Borrower owner of xxxxxx but property is not reflecting on Fraud Guard. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material findings. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 778 is at least 20 points above minimum for program 720.<br>Months Reserves exceed minimum required - - Months Reserves 171 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776791 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-22 18:09 | 2022-08-25 14:08 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - DSCR with 778 fico and 172 months in post close reserves. Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - DSCR with 778 fico and 172 months in post close reserves. Finding is deemed non-material. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 778 is at least 20 points above minimum for program 720.<br>Months Reserves exceed minimum required - - Months Reserves 171 exceed minimum required 12. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776795 | xxxxxx C B A | Closed | xxxxxx | 2022-08-26 17:21 | 2022-09-22 11:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Counter--Received evidence of $1400 rent payment for 11 months. Missing xxxxxx payment for a 0x30x12 housing history - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing VOR showing 0x30x12. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 10 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 50.61 months reserves are 41.61 months greater than required 9 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776795 | xxxxxx C B A | Closed | xxxxxx | 2022-08-30 16:34 | 2022-08-30 16:35 | Waived | 2 - Non-Material A B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open--Deemed non-material as subject is DSCR - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 50.61 months reserves are 41.61 months greater than required 9 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776795 | xxxxxx C B A | Closed | xxxxxx | 2022-08-26 17:21 | 2022-08-30 11:52 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - No mortgage histories, finding deemed non material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing - No mortgage histories, finding deemed non material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 50.61 months reserves are 41.61 months greater than required 9 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776799 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 16:12 | 2022-09-21 12:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Received supporting documentation - Due Diligence Vendor-xxxxxx <br> Open-Asset Record 1 Does Not Meet G/L Requirements - Print out for both xxxxxx and xxxxxx do not identify ownership or have account # s listed to confirm these are the borrowers accounts- Provide asset statements meeting guidelines showing sufficient cash to close and reserves.<br> - Due Diligence Vendor-xxxxxx |  | Resolved-Asset Record 1 Meets G/L Requirements - Received supporting documentation - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 736 is 56 points higher than required 680 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776799 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 14:39 | 2022-09-15 16:58 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Open-Title Coverage Amount of $384650 is Less than Total Amount of Subject Lien(s) of 99.21 Inxxxxxx - Provide corrected Schedule A or final title reflecting coverage of xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 736 is 56 points higher than required 680 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776799 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 15:30 | 2022-08-30 16:24 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open--Deemed non-material as borrower has over 38 months PITIA reserves. - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Policy is required to contain 6 months PITIA rent loss, no rent loss coverage on policy. Also, does not appear to be a landlord policy as there is 220k coverage for personal property - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 736 is 56 points higher than required 680 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776799 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 16:23 | 2022-08-26 17:49 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open--Deemed non-material as subject loan is DSCR. - Due Diligence Vendor-xxxxxx <br>Open-A two (2) year current employment history must be reflected on the application, unless income is derived from non-employment sources such as pension, retirement, social security benefits, etc - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 736 is 56 points higher than required 680 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776799 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 16:32 | 2022-08-24 16:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-- First time investor requires DSCR >= 1.00%, DSCR is at .97%. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-- First time investor requires DSCR >= 1.00%, DSCR is at .97%. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 736 is 56 points higher than required 680 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776799 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 16:12 | 2022-08-24 16:50 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Print out for both xxxxxx and xxxxxx are not showing 60 days as required in guides. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified - Print out for both xxxxxx and xxxxxx are not showing 60 days as required in guides. Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 736 is 56 points higher than required 680 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776805 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-30 15:52 | 2022-09-09 12:59 | Resolved | 1 - Information A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received credit supplement showing paid through 03/2022 and mortgage statement showing 04/2022 payment made. - Due Diligence Vendor-xxxxxx <br>Open--Missing evidence the mortgage on the subject property was current at the time of closing. Please provide evidence of the February, March and April 2022 payments were made in a timely manner. - Due Diligence Vendor-xxxxxx |  | Resolved--Received credit supplement showing paid through 03/2022 and mortgage statement showing 04/2022 payment made. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Additional 98 months in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776805 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-26 17:12 | 2022-08-30 15:52 | Waived | 2 - Non-Material C B | Credit | Borrower | Borrower information on 1003 is incomplete | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open--Deemed non-material as subject is DSCR. - Due Diligence Vendor-xxxxxx <br>Open--Final 1003 is missing 2 year employment history as required by guidelines - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Additional 98 months in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776805 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-26 15:06 | 2022-08-30 15:51 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-The Business Purpose Affidavit Disclosure is Missing - Missing Business Purpose affidavit - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Additional 98 months in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776805 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-26 16:15 | 2022-08-30 15:50 | Waived | 2 - Non-Material C B | Property | Property | Property Condition Rating Does Not Meet Program Requirements | Waived--Deemed non-material as investor accepts C4. - Due Diligence Vendor-xxxxxx <br>Open-Primary Value Valuation Property Condition Rating Does Not Meet Program Requirements - Property rating per appraisal is C4 with comps 1, 2 and 3 with a C3 rating. Appraiser states property is in average condition for a 122 year old home. Appraiser was unable to inspect the unfinished walk-up attic due to a lock on the door. Missing a detailed narrative regarding the subject property market acceptance per guideline requirements. - Due Diligence Vendor-xxxxxx |  | Waived--Deemed non-material as investor accepts C4. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Additional 98 months in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776805 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-26 15:57 | 2022-08-30 15:49 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open--Deemed non-material as missing mortgage history from months leading up to transaction is covered under another finding. Borrower has 761 FICO, 106+ months reserves, history of on time mortgage history and low LTV of 56.05%. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report for both borrowers. Borrower must be 0x30x12, missing evidence mortgage for subject property is current at the time of closing, last payment verified is xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Additional 98 months in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776805 | xxxxxx D B A C | Closed | xxxxxx | 2022-08-26 17:28 | 2022-08-29 19:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-The guidelines require 2 months cash reserves. The required reserves are 3,365.72. The balance in the account information provided indicates a balance of 3,338.00. This is $27.78 less than required. --Finding is deemed non-material, Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-The guidelines require 2 months cash reserves. The required reserves are 3,365.72. The balance in the account information provided indicates a balance of 3,338.00. This is $27.78 less than required. --Finding is deemed non-material, Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Additional 98 months in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776808 | xxxxxx C B A | Closed | xxxxxx | 2022-08-30 08:20 | 2022-09-22 11:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Counter- Received mortgage statement verifying xxxxxx payment made for xxxxxx property. Received final CD for the two xxxxxx properties and xxxxxx property. Received mortgage statement for xxxxxx property. Still missing 12-month housing history through xxxxxx for xxxxxx property. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Missing 12 month housing histories (through xxxxxx payments) on the xxxxxx and xxxxxx properties. Missing final CD or mortgage statements for the recently financed xxxxxx properties (2) and xxxxxx property. Missing evidence of the borrower's xxxxxx payments for xxxxxx property. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 10 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 127 months additional reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776808 | xxxxxx C B A | Closed | xxxxxx | 2022-08-30 16:35 | 2022-08-30 16:56 | Waived | 2 - Non-Material B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Credit monitoring report is dated 04/28/22 with a monitoring end date of 06/17/22. Loan is a DSCR with a mid FICO of 767 and a 60.56% LTV. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Credit monitoring report is dated 04/28/22 with a monitoring end date of 06/17/22. Loan is a DSCR with a mid FICO of 767 and a 60.56% LTV. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 127 months additional reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776918 | xxxxxx C B A | Closed | xxxxxx | 2022-09-16 10:24 | 2022-09-20 11:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived--Received Investor exception approval. Finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-The Tradelines for the borrower(s) do not meet the guideline requirements. - xxxxxx two open accounts on credit report reflect 50 months and 3 months history. However, does not meet Foreign National DSCR guidelines requirement of two (2) open tradelines reporting for two (2) years with activity in the most recent 12 months. - Due Diligence Vendor-xxxxxx |  | Waived--Received Investor exception approval. Finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 102 exceed minimum required 12.<br>LTV is less than guideline maximum - - LTV 33.71% is less than guideline maximum 60%.<br>DSCR % greater than 1.25 - DSCR 1.44% greater than 1.25. | -DSCR>1.3<br> - Reserves exceed requirement by 10 months or more |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 777051 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 14:35 | 2022-09-30 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved--Received worksheet and each property meets DSCR requirement - Due Diligence Vendor-xxxxxx <br>Counter--Received DSCR workbook however, Allocated Loan Amount for each property not provided - Due Diligence Vendor-xxxxxx <br>Open-- Missing Cross Collateral workbook showing the breakdown and calculation per property as required. OPB is xxxxxx. Audit unable to determine individual property DSCR or 120% of loan amount required to satisfy/release an individual property. - Due Diligence Vendor-xxxxxx |  | Resolved--Received worksheet and each property meets DSCR requirement - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 25 months reserves are 19 months more than required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 721 is 21 points higher than required 700 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777051 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 14:45 | 2022-09-22 07:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 66.12% exceeds Guideline LTV of 65% - Exception in file was approved by Investor up to 70% LTV due to. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited LTV of 66.12% exceeds Guideline LTV of 65% - Exception in file was approved by Investor up to 70% LTV due to. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 25 months reserves are 19 months more than required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 721 is 21 points higher than required 700 | - Reserves exceed requirement by 10+ months<br> - Experienced investor owns and manages 5 or more properties for 12 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 777089 | xxxxxx D A | Closed | xxxxxx | 2022-09-08 17:37 | 2022-09-16 08:07 | Resolved | 1 - Information D A | Credit | Closing | The Deed of Trust is Incomplete | Resolved--Received complete mortgage with legal description - Due Diligence Vendor-xxxxxx <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-The Deed of Trust is Incomplete Exhibit A; Legal Description is blank - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received complete mortgage with legal description - Due Diligence Vendor-xxxxxx <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 73 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 57 points above minimum required. |  | Recorded mtg xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777089 | xxxxxx D A | Closed | xxxxxx | 2022-09-08 22:11 | 2022-09-14 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved--Agree, lease is not required - Due Diligence Vendor-xxxxxx <br>Ready for Review-Reviewed with xxxxxx. Advised the addendum to guidelines executed 1.22 supersede the current guidelines. Based on guidelines whether month to month or annual, a lease is not required unless the current Matrix overrides it. - Seller-xxxxxx <br>Open--Subject transaction is a refinance and subject property is not leased; guidelines require an executed lease with no less than 3 months remaining. - Due Diligence Vendor-xxxxxx | Ready for Review-Reviewed with xxxxxx. Advised the addendum to guidelines executed 1.22 supersede the current guidelines. Based on guidelines whether month to month or annual, a lease is not required unless the current Matrix overrides it. - Seller-xxxxxx<br>| Resolved--Agree, lease is not required - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 73 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 57 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777105 | xxxxxx D A | Closed | xxxxxx | 2022-09-02 09:30 | 2022-09-13 08:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved--Per updated Guidelines 14.2, lease is not required - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Reviewed with xxxxxx. Advised the addendum to guidelines executed 1.22 supersede the current guidelines. Based on guidelines whether month to month or annual, a lease is not required unless the current Matrix overrides it. - Seller-xxxxxx <br>Counter--Received updated guidelines which state lease is not required however, guidelines do require a singed letter of extension for month-to-month tenancy which is indicated on the appraisal. Finding remains - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. Please find the attached Addendum to guidelines that state lease is not required.<br>xxxxxx<br> xxxxxx<br>Direct: xxxxxx<br> Fax: xxxxxx<br>- Seller-xxxxxx <br>Open-- Subject loan cash out refinance. Per guideline require an executed lease with no less than 3 months remaining at time of close is required for all units in the subject. Per Appraisal, Month-to-month lease, per guide require a signed extension letter). - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Reviewed with xxxxxx. Advised the addendum to guidelines executed 1.22 supersede the current guidelines. Based on guidelines whether month to month or annual, a lease is not required unless the current Matrix overrides it. - Seller-xxxxxx <br>Ready for Review-Document Uploaded. Please find the attached Addendum to guidelines that state lease is not required.<br>xxxxxx<br> xxxxxx<br>Direct: xxxxxx<br> Fax: xxxxxx<br>- Seller-xxxxxx<br>| Resolved--Per updated Guidelines 14.2, lease is not required - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 54% is less than guideline maximum 65%.<br>Months Reserves exceed minimum required - Months Reserves 50 exceed minimum required 3. |  | addendum to guidelines.pdf<br>lease month to month xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777105 | xxxxxx D A | Closed | xxxxxx | 2022-09-02 10:56 | 2022-09-07 10:40 | Resolved | 1 - Information B A | Credit | Missing Doc | The Final 1003 is Incomplete | Resolved--Received signed Cash-Out letter - Due Diligence Vendor-xxxxxx <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx <br>Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. xxxxxx requires signed LOE regarding cash out - see attached. - Seller-xxxxxx <br>Open-The Final 1003 is Incomplete - Per guide require final 1003 to reflect the purpose of the cash-out .File contains an LOE from borrower therefore considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. xxxxxx requires signed LOE regarding cash out - see attached. - Seller-xxxxxx<br>| Resolved--Received signed Cash-Out letter - Due Diligence Vendor-xxxxxx <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx <br> Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 54% is less than guideline maximum 65%.<br>Months Reserves exceed minimum required - Months Reserves 50 exceed minimum required 3. |  | LOE cash out signed xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777105 | xxxxxx D A | Closed | xxxxxx | 2022-09-02 10:39 | 2022-09-07 10:38 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Received documentation to support correction - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. Final policy is not yet completed- see email - Seller-xxxxxx <br>Counter--Received updated Title with correct policy amount however, non-borrowing title holder's name is incorrect as xxxxxx, correct name per DOT is xxxxxx - Due Diligence Vendor-xxxxxx <br>Open- - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Property Title Issue - Title reflect policy amount xxxxxx and proposed borrower Borrower xxxxxx only and does not match Deed of Trust which also has xxxxxx - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Final policy is not yet completed- see email - Seller-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received documentation to support correction - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 54% is less than guideline maximum 65%.<br>Months Reserves exceed minimum required - Months Reserves 50 exceed minimum required 3. |  | Title xxxxxx.pdf<br>warranty deed xxxxxx.pdf<br>email from title xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777105 | xxxxxx D A | Closed | xxxxxx | 2022-09-02 08:32 | 2022-09-06 16:01 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved--Received updated policy - Due Diligence Vendor-xxxxxx <br>Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor xxxxxx <br>Ready for Review-Document Uploaded. HOI effective xxxxxx -(most recent if you review the Date of notice xxxxxx) xxxxxx allowed effective date to be xxxxxx since the loan funded on this date. - Seller-xxxxxx <br>Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Loan disbursed on xxxxxx - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. HOI effective xxxxxx -(most recent if you review the Date of notice xxxxxx) xxxxxx allowed effective date to be xxxxxx since the loan funded on this date. - Seller-xxxxxx | Resolved--Received updated policy - Due Diligence Vendor-xxxxxx <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 54% is less than guideline maximum 65%.<br>Months Reserves exceed minimum required - Months Reserves 50 exceed minimum required 3. |  | HOI effective 8.25.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777105 | xxxxxx D A | Closed | xxxxxx | 2022-09-02 12:14 | 2022-09-06 15:52 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal photos | Resolved--Agree, no value has been given - Due Diligence Vendor-xxxxxx <br>Ready for Review-xxxxxx did not require inside photo since xxxxxx was not included in value of home. - Seller-xxxxxx <br>Open-- Provide storage building interior pictures. - Due Diligence Vendor-xxxxxx | Ready for Review-xxxxxx did not require inside photo since xxxxxx was not included in value of home. - Seller-xxxxxx<br>| Resolved--Agree, no value has been given - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 54% is less than guideline maximum 65%.<br>Months Reserves exceed minimum required - Months Reserves 50 exceed minimum required 3. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 777393 | xxxxxx B A | Closed | xxxxxx | 2022-09-16 10:35 | 2022-09-16 15:13 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Final CD disbursement date xxxxxx with premium showing paid in full xxxxxx<br> - Considered non-material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Final CD disbursement date xxxxxx with premium showing paid in full xxxxxx<br> - Considered non-material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - 728 FICO exceeds 700 minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777446 | xxxxxx D A | Closed | xxxxxx | 2022-09-06 15:15 | 2023-01-11 15:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Validation Resolved - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Purchase Contract missing from file. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Validation Resolved - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - additional 17 months verified reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 57 points above minimum required. |  | xxxxxx_EXTENSION ADDENDUM TO CONTRACT.pdf<br>xxxxxx_ADDENDUM NO. 2.pdf<br>xxxxxx_PURCHASE CONTRACT.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777446 | xxxxxx D A | Closed | xxxxxx | 2022-09-06 15:21 | 2022-09-09 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Missing Flood Certificate - Flood Cert not provided. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Flood Certificate is fully present - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - additional 17 months verified reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 57 points above minimum required. |  | xxxxxx_FLOOD CERT AND NOTICE SIGNED.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777446 | xxxxxx D A | Closed | xxxxxx | 2022-09-06 15:21 | 2022-09-09 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Missing Flood Insurance Policy - Flood Insurance policy not provided. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx<br>| Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - additional 17 months verified reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 57 points above minimum required. |  | xxxxxx_SUBJECT FLOOD INSURANCE - PROOF OF xxxxxx.pdf<br>xxxxxx_SUBJECT FLOOD INSURANCE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777446 | xxxxxx D A | Closed | xxxxxx | 2022-09-06 15:21 | 2022-09-09 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br>Open- - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Missing Hazard Insurance Policy - Hazard Insurance policy not provided. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - additional 17 months verified reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 57 points above minimum required. |  | xxxxxx_HOI xxxxxx.pdf<br>xxxxxx_HOI.pdf<br>xxxxxx_RCE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777446 | xxxxxx D A | Closed | xxxxxx | 2022-09-06 15:21 | 2022-09-09 13:24 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Validation Resolved - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Subject Property is in xxxxxx but Notice of Special Flood Hazard Disclosure was not provided - Notice of Special Flood Hazard disclosure not provided. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Validation Resolved - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - additional 17 months verified reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 57 points above minimum required. |  | xxxxxx_FLOOD HAZARD NOTICE SIGNED.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777446 | xxxxxx D A | Closed | xxxxxx | 2022-09-06 16:11 | 2022-09-09 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved--Rec'd EIN for Business Entity - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open--EIN not provided. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx<br>| Resolved--Rec'd EIN for Business Entity - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - additional 17 months verified reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 57 points above minimum required. |  | xxxxxx_EIN.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777571 | xxxxxx C B A | Closed | xxxxxx | 2022-09-29 11:48 | 2022-10-20 12:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Rec'd updated credit refresh to confirm mortgage paid as agreed through xxxxxx (DLA) - due for xxxxxx payment. - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Please see the credit report and transaction history which was already in the closing package<br> -(AUDIT/ RESPONSE) - Missing evidence that Primary residence mortgage with xxxxxx is due for xxxxxx payment. Guidelines require 0x12x30. - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements Provide proof of July Mtg pmts for xxxxxx, xxxxxx , and proof of June and July pmts. for xxxxxx. Guides required 0 x 30 - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd updated credit refresh to confirm mortgage paid as agreed through xxxxxx (DLA) - due for xxxxxx payment. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO of 785 is greater than minimum of 700.<br>Months Reserves exceed minimum required - 84 mos additional in file |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777571 | xxxxxx C B A | Closed | xxxxxx | 2022-09-27 11:48 | 2022-10-13 10:29 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower information on 1003 is incomplete | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Counter--Client response: This is a DSCR program which does not qualify the borrower with employment income, so for these programs you will never see the employment information on the application. Please reconsider this and waive the condition.<br> -(AUDIT RESPONSE) - Per Foreign National/ITIN/Investor guidelines section states that the employment section of the should be complete including a valid phone number, no further verification required. - Due Diligence Vendor-xxxxxx <br> Open--guidelines require employment information be listed on the application. The employment section on the application is blank. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO of 785 is greater than minimum of 700.<br>Months Reserves exceed minimum required - 84 mos additional in file |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777571 | xxxxxx C B A | Closed | xxxxxx | 2022-09-27 10:18 | 2022-10-12 09:12 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived- - Due Diligence Vendor-xxxxxx <br>Waived-Borrower 1 Gap Credit Report is Missing DSCR, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower 1 Gap Credit Report is Missing DSCR, considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO of 785 is greater than minimum of 700.<br>Months Reserves exceed minimum required - 84 mos additional in file |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777571 | xxxxxx C B A | Closed | xxxxxx | 2022-09-27 11:12 | 2022-09-29 10:34 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified File contains only 1 month bank statement for xxxxxx. Two months are required per guides. Considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Asset 1 Less Than 2 Months Verified File contains only 1 month bank statement for xxxxxx. Two months are required per guides. Considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO of 785 is greater than minimum of 700.<br>Months Reserves exceed minimum required - 84 mos additional in file |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777571 | xxxxxx C B A | Closed | xxxxxx | 2022-09-27 10:22 | 2022-09-29 10:32 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. , considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. , considered non material. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 785 is greater than minimum of 700.<br>Months Reserves exceed minimum required - 84 mos additional in file |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777661 | xxxxxx C B A | Closed | xxxxxx | 2022-10-13 11:21 | 2022-10-17 10:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% Guideline LTV of 65% - Max LTV for 3-unit refinance is 70% and 5% reduction applied for short-term rental income usage - Max is 65%. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.20 - DSCR 1.29% greater than 1.20.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789 is at least 20 points above minimum for program 600.<br>Months Reserves exceed minimum required - - Borrower has 3 additional months than required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | Investor Post-Close | No | xxxxxx |
| 777831 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 11:06 | 2022-10-06 09:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of xxxxxx. - no evidence of the title policy lender coverage amount located in the file. Provide final title or Amended ALTA Commitment reflecting lender coverage. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 693 is 53 points higher than required 640<br>LTV is less than guideline maximum - LTV is 59% which is less than the guideline maximum of 70%. <br>Ontime mortgage history exceeds guideline requirement - No delinquencies on housing for 2+ years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777831 | xxxxxx C B A | Closed | xxxxxx | 2022-09-19 15:44 | 2022-10-04 13:33 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived--Information is missing from final 1003 but included on initial 1003. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx <br>Open--no employment information provided on the loan application. The guidelines specify the application should have a complete employment section to include a phone number. - Due Diligence Vendor-xxxxxx |  | Waived--Information is missing from final 1003 but included on initial 1003. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 693 is 53 points higher than required 640<br>LTV is less than guideline maximum - LTV is 59% which is less than the guideline maximum of 70%. <br>Ontime mortgage history exceeds guideline requirement - No delinquencies on housing for 2+ years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777831 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 12:33 | 2022-09-21 15:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of 2.85 month(s) are less than Guideline Required Reserves of 6 months Piti for subject and 2 months of P & I for Primary. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 693 is 53 points higher than required 640<br>LTV is less than guideline maximum - LTV is 59% which is less than the guideline maximum of 70%. <br>Ontime mortgage history exceeds guideline requirement - No delinquencies on housing for 2+ years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777831 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 12:08 | 2022-09-19 16:43 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Missing soft pull credit report required guideline <br> - considered non-material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-xxxxxx |  | Waived--Missing soft pull credit report required guideline <br> - considered non-material <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 693 is 53 points higher than required 640<br>LTV is less than guideline maximum - LTV is 59% which is less than the guideline maximum of 70%. <br>Ontime mortgage history exceeds guideline requirement - No delinquencies on housing for 2+ years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777831 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 12:24 | 2022-09-15 09:52 | Waived | 2 - Non-Material B | Credit | Assets | Asset 3 Less Than 2 Months Verified | Waived-Asset 3 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx. Two months are required per guides.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx |  | Waived-Asset 3 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx. Two months are required per guides.<br> Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 693 is 53 points higher than required 640<br>LTV is less than guideline maximum - LTV is 59% which is less than the guideline maximum of 70%. <br>Ontime mortgage history exceeds guideline requirement - No delinquencies on housing for 2+ years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777831 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 12:09 | 2022-09-15 09:41 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 693 is 53 points higher than required 640<br>LTV is less than guideline maximum - LTV is 59% which is less than the guideline maximum of 70%. <br>Ontime mortgage history exceeds guideline requirement - No delinquencies on housing for 2+ years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777831 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 11:49 | 2022-09-15 09:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - No contract extension located in the file. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - No contract extension located in the file. <br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 693 is 53 points higher than required 640<br>LTV is less than guideline maximum - LTV is 59% which is less than the guideline maximum of 70%. <br>Ontime mortgage history exceeds guideline requirement - No delinquencies on housing for 2+ years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778010 | xxxxxx B A | Closed | xxxxxx | 2022-12-02 18:59 | 2022-12-03 17:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 74.46% exceeds Guideline LTV of 70% - M ax LTV for Refinance in xxxxxx and 3-unit property is 70%. Investor waiver applied to non-material finding. Investor approved exception in file - Due Diligence Vendor-xxxxxx |  | Waived-Audited LTV of 74.46% exceeds Guideline LTV of 70% - M ax LTV for Refinance in xxxxxx is 70%. Investor waiver applied to non-material finding. Investor approved exception in file - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 793 is 93 points higher than required 700<br>Months Reserves exceed minimum required - - Verified 20 months reserves is 18 months greater than required 2 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | Investor Post-Close | No | xxxxxx |
| 778032 | xxxxxx D A | Closed | xxxxxx | 2022-10-04 16:44 | 2022-10-06 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-The Loan Agreement/Term Sheet Doc is Present or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Resolved-Document Uploaded. - Updated guaranty agreement provided signed by borrower which no longer makes reference to the Loan Agreement. - Due Diligence Vendor-xxxxxx <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. - Due Diligence Vendor-xxxxxx |  | Resolved-The Loan Agreement/Term Sheet Doc is Present or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Resolved-Document Uploaded. - Updated guaranty agreement provided signed by borrower which no longer makes reference to the Loan Agreement. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - Months Reserves 46 exceed minimum required 2. |  | xxxxxx_GUARANTY AGREEMENT.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778225 | xxxxxx D A | Closed | xxxxxx | 2022-09-27 20:28 | 2022-10-04 18:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-xxxxxx <br>Resolved--Document in original file provided for review - Due Diligence Vendor-xxxxxx <br>Ready for Review-It's found on page 344. - Seller-xxxxxx <br>Open-The Business Purpose Affidavit Disclosure is Missing - not located in the file. - Due Diligence Vendor-xxxxxx | Ready for Review-It's found on page 344. - Seller-xxxxxx | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-xxxxxx<br>Resolved--Document in original file provided for review - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - The program allows 70% and the LTV on this loan is 63.206%.<br>Months Reserves exceed minimum required - Program requires 2 months reserves. Borrower has 49 months reserves after cash out.  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778225 | xxxxxx D A | Closed | xxxxxx | 2022-09-28 08:13 | 2022-09-30 07:57 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved--Documentation in file supports cleared alerts regarding employment - Due Diligence Vendor-xxxxxx <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx <br>Ready for Review-Employment name discrepancy was addressed (pls. see page 563 - 574) for the lookup results which are not associated to borrower. - Seller-xxxxxx <br>Open-Fraud Report Shows Uncleared Alerts - no evidence in the file that the lender addressed the employment name discrepancy. - Due Diligence Vendor-xxxxxx | Ready for Review-Employment name discrepancy was addressed (pls. see page 563 - 574) for the lookup results which are not associated to borrower. - Seller-xxxxxx | Resolved--Documentation in file supports cleared alerts regarding employment - Due Diligence Vendor-xxxxxx <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - The program allows 70% and the LTV on this loan is 63.206%.<br>Months Reserves exceed minimum required - Program requires 2 months reserves. Borrower has 49 months reserves after cash out.  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778270 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 13:39 | 2022-11-22 11:35 | Waived | 2 - Non-Material D B | Credit | Missing Doc | HO6 Master Insurance Policy is Partial | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted.<br> - Due Diligence Vendor-xxxxxx <br> Counter--Received same policy already in file. Provide evidence Master Condo Policy has Liability Coverage of xxxxxx or xxxxxx Insurance coverage of at least the sum of 3 months of assessments on all units, as required by guidelines - Due Diligence Vendor-xxxxxx <br> Open-HO-6 Master Insurance Policy Partially Provided - Condo Master Policy does not reflect Liability Coverage of xxxxxx or xxxxxx insurance coverage of at lease the sum of 3 months of assessments on all units as required per guidelines. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - DSCR > 1.3 / Compensating Factor 3 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 782 exceeds the guideline minimum of 700<br>Months Reserves exceed minimum required - 34 months reserves exceed guideline minimum of 2 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778270 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 15:01 | 2022-11-22 11:33 | Waived | 2 - Non-Material C B | Credit | Insurance | Flood Insurance Minimum Coverage Not Met | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted.<br> - Due Diligence Vendor-xxxxxx <br> Counter--Received Originator Exception request/approval. This does not apply to the Finding. Flood insurance coverage is insufficient per guidelines - Due Diligence Vendor-xxxxxx <br> Open-Flood Insurance Coverage Amount does not meet minimum required coverage amount - Flood insurance coverage of $36,000 does not meet the minimum requirements as per guidelines - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - DSCR > 1.3 / Compensating Factor 3 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 782 exceeds the guideline minimum of 700<br>Months Reserves exceed minimum required - 34 months reserves exceed guideline minimum of 2 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778270 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 14:38 | 2022-11-01 13:46 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received PDR showing no active liens on propery - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. See property detail report confirming no mortgages on primary residence. - Buyer-xxxxxx <br>Counter--Received Satisfaction of Mortgage from 2017, and is insufficient to resolve Findings. Provide Property Detail report or similar document to show there are no active liens against primary residence. - Due Diligence Vendor-xxxxxx <br>Open-Housing History Does Not Meet Guideline Requirements - Borrower does not meet housing history requirement. Missing property detail report for primary residence. Per guidelines, If home is owner free and clear, a property profile report or similar document showing no liens against the property - Due Diligence Vendor-xxxxxx |  | Resolved--Received PDR showing no active liens on propery - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 782 exceeds the guideline minimum of 700<br>Months Reserves exceed minimum required - 34 months reserves exceed guideline minimum of 2 months. |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778270 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 15:43 | 2022-09-30 13:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted.<br> - Due Diligence Vendor-xxxxxx <br> Open--Condominium project does not meet program guidelines. Single investor owns 81 units or 72.5%, in addition, more than 20 units are more than 60 days past on HOA fees. - Originator exception in file. Missing Investor approval. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - DSCR > 1.3 / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 782 exceeds the guideline minimum of 700<br>Months Reserves exceed minimum required - 34 months reserves exceed guideline minimum of 2 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778270 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 09:11 | 2022-09-27 12:26 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx <br>Open-Unsatisfactory Chain of Title provided - Missing 24 month chain of title - Due Diligence Vendor-xxxxxx |  | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 782 exceeds the guideline minimum of 700<br>Months Reserves exceed minimum required - 34 months reserves exceed guideline minimum of 2 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778270 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 14:38 | 2022-09-22 16:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived-The Tradelines for the borrower(s) do not meet the guideline requirements. - Borrower does not meet tradeline requirement of 2 open tradelines and reporting for 24-months with activity in the past 12 months OR 3 open tradelines and reporting for 12 months with recent activity.<br> Non- Material due to; 7 total trade lines only MTG open reporting as agreed for <br> 99+ months.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-The Tradelines for the borrower(s) do not meet the guideline requirements. - Borrower does not meet tradeline requirement of 2 open tradelines and reporting for 24-months with activity in the past 12 months OR 3 open tradelines and reporting for 12 months with recent activity.<br> Non- Material due to; 7 total trade lines only xxxxxx open reporting as agreed for <br> 99+ months.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 782 exceeds the guideline minimum of 700<br>Months Reserves exceed minimum required - 34 months reserves exceed guideline minimum of 2 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778270 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 09:39 | 2022-09-21 15:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 782 exceeds the guideline minimum of 700<br>Months Reserves exceed minimum required - 34 months reserves exceed guideline minimum of 2 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778270 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 10:43 | 2022-09-21 14:50 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> - Finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> - Finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 782 exceeds the guideline minimum of 700<br>Months Reserves exceed minimum required - 34 months reserves exceed guideline minimum of 2 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778270 | xxxxxx D B A | Closed | xxxxxx | 2022-09-20 11:25 | 2022-09-21 14:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 71.43% exceeds Guideline LTV of 70% - Max LTV is 70% for loan amount <$150K. Originator exception request in file, missing investor approval. Finding is deemed non-material due to 34.13 in reserves, DSCR of 1.60 and LTV of 71.43%. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited LTV of 71.43% exceeds Guideline LTV of 70% - Max LTV is 70% for loan amount xxxxxx. Originator exception request in file, missing investor approval. Finding is deemed non-material due to 34.13 in reserves, DSCR of 1.60 and LTV of 71.43%. - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 782 exceeds the guideline minimum of 700<br>Months Reserves exceed minimum required - 34 months reserves exceed guideline minimum of 2 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778283 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 09:50 | 2022-10-13 13:45 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Payment History | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Attached are bank statements that will reflect payments for April/May to both xxxxxx and xxxxxx (Transfer to Mortgage & Paid to - xxxxxx)<br> -(AUDIT RESPONSE) Received same documentation already review. Missing documentation to show xxxxxx (last activity xxxxxx) and xxxxxx (last activity xxxxxx) are due for xxxxxx payment to meet guideline requirement of 0x30x12. Provide either an updated credit report or a current Mortgage statement for each. - Due Diligence Vendor-xxxxxx <br> Counter--Received same documentation already in file and reviewed. Missing documentation to show xxxxxx and xxxxxx are due for xxxxxx payment to meet guideline requirement of 0x30x12 - Due Diligence Vendor-xxxxxx <br> Open--Missing proof of payment through closing date of xxxxxx for xxxxxx and xxxxxx. Gap credit report shows last activity for xxxxxx and xxxxxx last activity xxxxxx. Borrower is a first time investor and No mortgage late pays are allowed, must be 0x30 - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -14 months reserves exceeds minimum required of 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 763, minimum required 680. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778283 | xxxxxx D B A | Closed | xxxxxx | 2022-10-12 14:29 | 2022-10-12 14:29 | Resolved | 1 - Information A | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Resolved--Disaster inspection obtained which reflects no damage. - Due Diligence Vendor-xxxxxx |  | Resolved--Disaster inspection obtained which reflects no damage. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -14 months reserves exceeds minimum required of 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 763, minimum required 680. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778283 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 10:23 | 2022-09-23 15:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Open-Audited LTV of 80% exceeds Guideline LTV of 70% - Max LTV allowed for DSCR<1 is 70%, LTV is 80%<br> - In addition, max LTV for first time investor is 75%, LTV is 80%.<br> - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -14 months reserves exceeds minimum required of 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 763, minimum required 680. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778283 | xxxxxx D B A | Closed | xxxxxx | 2022-09-21 09:13 | 2022-09-22 15:59 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Waived--Subject property site size of xxxxxx exceeds lender guideline of xxxxxx for the DSCR program.<br> Considered non-material as location is xxxxxx, site size is average for area and xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Waived--Subject property site size of xxxxxx exceeds lender guideline of xxxxxx for the DSCR program.<br> Considered non-material as location is xxxxxx, site size is average for area and xxxxxx. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -14 months reserves exceeds minimum required of 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 763, minimum required 680. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778284 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-21 12:55 | 2022-10-13 13:36 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Counter--Received same appraisal already in file and reviewed. Missing one comparable outside the project per guideline requirements. - Due Diligence Vendor-xxxxxx <br> Open--One comparable outside the project was not provided per guideline requirements. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DSCR > 1.3 / Compensating Factor 3 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.20 - - Comp factor: DSCR is greater than 1.25%, calculated DSCR is 1.63%<br>Months Reserves exceed minimum required - - Reserves of 42 months exceeds requirement of 12 months.<br>LTV is less than guideline maximum - - LTV of 25% less than max guideline of 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778284 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-25 12:39 | 2022-10-12 15:18 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted.<br> - Due Diligence Vendor-xxxxxx <br> Open--Borrower Visa is expired xxxxxx prior to note date of xxxxxx. No proof of Visa extension or evidence country is participating the the Visa Waiver program was provided per guideline requirements. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DSCR > 1.3 / Compensating Factor 3 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.20 - - Comp factor: DSCR is greater than 1.25%, calculated DSCR is 1.63%<br>Months Reserves exceed minimum required - - Reserves of 42 months exceeds requirement of 12 months.<br>LTV is less than guideline maximum - - LTV of 25% less than max guideline of 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778284 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-25 12:39 | 2022-10-12 15:17 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted.- Due Diligence Vendor-xxxxxx <br> Open--Alternative credit letters provided are insufficient. Unable to determine if from Internationally known institutions. Originator Exception Request/Approval in file however, missing Investor approval - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DSCR > 1.3 / Compensating Factor 3 - Reserves exceed requirement by 10 months or more - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.20 - - Comp factor: DSCR is greater than 1.25%, calculated DSCR is 1.63%<br>Months Reserves exceed minimum required - - Reserves of 42 months exceeds requirement of 12 months.<br>LTV is less than guideline maximum - - LTV of 25% less than max guideline of 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778284 | xxxxxx D B A C | Closed | xxxxxx | 2022-09-21 14:26 | 2022-10-12 09:07 | Resolved | 1 - Information C A | Credit | Points & Fees | Prepayment Penalty Test | Resolved--Prepayment penalty is allowed on subject loan - Due Diligence Vendor-xxxxxx <br>Open--Prepay only eligible for loans vested in LLC in xxxxxx and xxxxxx. Property is located in xxxxxx and note indicates a pre-pay penalty. - Due Diligence Vendor-xxxxxx |  | Resolved--Prepayment penalty is allowed on subject loan - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.20 - - Comp factor: DSCR is greater than 1.25%, calculated DSCR is 1.63%<br>Months Reserves exceed minimum required - - Reserves of 42 months exceeds requirement of 12 months.<br>LTV is less than guideline maximum - - LTV of 25% less than max guideline of 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778287 | xxxxxx C B A | Closed | xxxxxx | 2022-09-21 16:11 | 2022-10-07 14:52 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved--Received supporting documentation PPP has been removed from DOT - Due Diligence Vendor-xxxxxx <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-xxxxxx <br>Counter--Client response: the re-recorded deed of trust removed the Prepayment Penalty Rider from being attached to DOT. No longer required<br> -9AUDIT REPONSE): Provide copy of re-recorded/corrected DOT - Due Diligence Vendor-xxxxxx <br>Open-The Deed of Trust is Incomplete - Missing Prepayment Penalty Rider. - Due Diligence Vendor-xxxxxx |  | Resolved--Received supporting documentation PPP has been removed from DOT - Due Diligence Vendor-xxxxxx <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 39.43 months verified reserves exceed 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 766 FICO exceeds 680 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778287 | xxxxxx C B A | Closed | xxxxxx | 2022-09-22 09:28 | 2022-09-30 15:28 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received lease and evidence of payments - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br>Open-Housing History Does Not Meet Guideline Requirements - Missing VOR for current residence (4 months per 1003) to complete 12-month history required. If VOR is from private individual or any non-institutional entity, 6 months processed checks also required. - Due Diligence Vendor-xxxxxx |  | Resolved--Received lease and evidence of payments - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 39.43 months verified reserves exceed 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 766 FICO exceeds 680 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778287 | xxxxxx C B A | Closed | xxxxxx | 2022-09-22 10:35 | 2022-09-27 12:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Audited LTV of 80% exceeds Guideline LTV of 70% -80% LTV exceeds 70% maximum for DSCR < 1. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 39.43 months verified reserves exceed 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 766 FICO exceeds 680 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778287 | xxxxxx C B A | Closed | xxxxxx | 2022-09-22 09:54 | 2022-09-27 12:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) - Borrowers do not meet guideline requirement of a history of owning and managing investment real estate for at least 1 year in the last 3 years. Originator exception request in file, missing Investor approval - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 39.43 months verified reserves exceed 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 766 FICO exceeds 680 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778287 | xxxxxx C B A | Closed | xxxxxx | 2022-09-22 09:02 | 2022-09-25 17:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 39.43 months verified reserves exceed 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 766 FICO exceeds 680 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778287 | xxxxxx C B A | Closed | xxxxxx | 2022-09-21 16:31 | 2022-09-25 17:48 | Waived | 2 - Non-Material B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Borrower Citizenship Documentation Is Missing - Missing copy of back of Employment Authorization card. Copy of front only provided. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Borrower Citizenship Documentation Is Missing - Missing copy of back of Employment Authorization card. Copy of front only provided. Finding is deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 39.43 months verified reserves exceed 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 766 FICO exceeds 680 minimum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778289 | xxxxxx C A | Closed | xxxxxx | 2022-09-22 11:04 | 2022-10-12 09:30 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx <br>Open-Unsatisfactory Chain of Title provided - Missing 24-month chain of title. - Due Diligence Vendor-xxxxxx |  | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - 778 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 132.21 months reserves exceed 2 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778290 | xxxxxx C B A | Closed | xxxxxx | 2022-09-21 09:37 | 2022-09-23 15:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted.<br> - Due Diligence Vendor-xxxxxx <br> Open-Subject xxxxxx does not meet all requirements;<br> - Minimum xxxxxx<br> - xxxxxx is required. <br> Subject xxxxxx (rent being nightly or weekly bases or short term) xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - DSCR > 1.15<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 38 months reserves are 36 months greater than required 2 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 710 is 50 points higher than required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778290 | xxxxxx C B A | Closed | xxxxxx | 2022-09-21 08:33 | 2022-09-22 12:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Contract addendum extending closing date not provided . Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Contract addendum extending closing date not provided . Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified 38 months reserves are 36 months greater than required 2 months<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 710 is 50 points higher than required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778291 | xxxxxx D A | Closed | xxxxxx | 2022-10-04 21:06 | 2022-10-04 21:07 | Resolved | 1 - Information A | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Resolved-A PDI was received which reports no damage. - Due Diligence Vendor-xxxxxx <br>Open-Individual Assistance due to xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved-A PDI was received which reports no damage. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Reserves of 106 months exceeds minimum required of two months.<br>DSCR % greater than 1.20 - - DSCR 1.51% <br>LTV is less than guideline maximum - - LTV of 45% is less than guideline maximum of 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778291 | xxxxxx D A | Closed | xxxxxx | 2022-09-22 15:49 | 2022-09-28 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-xxxxxx <br>Open-Title Document is missing - Missing copy of prelim, commitment or final title. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Document is fully Present - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Reserves of 106 months exceeds minimum required of two months.<br>DSCR % greater than 1.20 - - DSCR 1.51% <br>LTV is less than guideline maximum - - LTV of 45% is less than guideline maximum of 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778292 | xxxxxx C A | Closed | xxxxxx | 2022-09-20 12:46 | 2022-11-03 16:52 | Resolved | 1 - Information C A | Credit | Closing | Loan Originator NMLS Status is Unknown | Resolved- - Due Diligence Vendor-xxxxxx <br>Open- - Due Diligence Vendor-xxxxxx <br>Resolved--Subject loan is an business purposes, not subject NLMS requirement. - Due Diligence Vendor-xxxxxx <br>Counter--Received Note reflecting Broker NMLS ID as xxxxxx which is the State License ID #. NMLS ID xxxxxx is not a valid NMLS # for xxxxxx. Missing valid NMLS for xxxxxx. - Due Diligence Vendor-xxxxxx <br>Open-Loan Originator NMLS Status is Unknown Note and Mortgage reflect broker company as xxxxxx with same NMLS number as Broker xxxxxx.<br>1003 in file states broker as xxxxxx with NMLS xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Subject loan is an business purposes, not subject NLMS requirement. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - Minimum 2 months required, borrower has 59.47 post- close reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778296 | xxxxxx D A | Closed | xxxxxx | 2022-09-25 13:26 | 2022-10-13 13:34 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br>Counter--Client response: 22-month payment history report for subject property was provided and should be used to clear this condition.<br> -(AUDIT RESPONSE) Seller comment is unrelated to the original Finding. Missing documentation required to validate primary residence property ownership in a foreign country such as recorded deed/mortgage, current property tax bill, or mortgage statement. - Due Diligence Vendor-xxxxxx <br>Open-Housing History Does Not Meet Guideline Requirements Missing documentation required to validate property ownership in a foreign country such as recorded deed/mortgage, current property tax bill, or mortgage statement. - Due Diligence Vendor-xxxxxx |  | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 17.47 months reserves exceed 12 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778296 | xxxxxx D A | Closed | xxxxxx | 2022-09-23 13:04 | 2022-10-13 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Resolved--Client response: regarding teh xxxxxx statements: yes they were. This should help suffice the tradeline requirement. - Due Diligence Vendor-xxxxxx <br>Resolved-The Alternative Credit Documentation for Foreign National is Present or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Open-The Alternative Credit Documentation for Foreign National is Missing. - Missing evidence of two open tradelines reporting for two years with activity in the most recent 12 months. File included copy of power bill, mobile network bill and 22-month payment history report for subject property. Unable to determine if the xxxxxx statements that appear to be bank statements were provided to support tradeline requirement. - Due Diligence Vendor-xxxxxx |  | Resolved--Client response: regarding teh xxxxxx statements: yes they were. This should help suffice the tradeline requirement. - Due Diligence Vendor-xxxxxx <br>Resolved-The Alternative Credit Documentation for Foreign National is Present or Not Applicable. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 17.47 months reserves exceed 12 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778296 | xxxxxx D A | Closed | xxxxxx | 2022-10-05 15:30 | 2022-10-05 15:32 | Resolved | 1 - Information A | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Resolved-A PDI was received which reports no damage - Due Diligence Vendor-xxxxxx |  | Resolved-A PDI was received which reports no damage - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 17.47 months reserves exceed 12 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778296 | xxxxxx D A | Closed | xxxxxx | 2022-09-25 13:13 | 2022-09-30 16:03 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Received Rider - Due Diligence Vendor-xxxxxx <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. - Missing PPP Rider - Due Diligence Vendor-xxxxxx |  | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Received Rider - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 17.47 months reserves exceed 12 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778296 | xxxxxx D A | Closed | xxxxxx | 2022-09-23 12:32 | 2022-09-30 16:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Document received - Due Diligence Vendor-xxxxxx <br>Open--Missing executed ACH enrollment form including the bank routing number, account number, and account type. Required for all foreign national borrowers. - Due Diligence Vendor-xxxxxx |  | Resolved--Document received - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 17.47 months reserves exceed 12 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778395 | xxxxxx C B A | Closed | xxxxxx | 2022-10-07 13:50 | 2022-10-20 12:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-There are no issues present on the Note. - Received Rider - Due Diligence Vendor-xxxxxx <br>Open-There are Issues Present on the Note that must be addressed. Prepay Rider does not contain the terms of the preay. - Due Diligence Vendor-xxxxxx |  | Resolved-There are no issues present on the Note. - Received Rider - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 15 exceed minimum required 12.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 782 is at least 20 points above minimum for program 720. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778395 | xxxxxx C B A | Closed | xxxxxx | 2022-10-06 16:38 | 2022-10-07 12:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 15 exceed minimum required 12.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 782 is at least 20 points above minimum for program 720. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778396 | xxxxxx D A | Closed | xxxxxx | 2022-11-07 15:47 | 2022-11-21 16:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved--Hazard insurance coverage provided showing xxxxxx in dwelling coverage for property in question. - Due Diligence Vendor-xxxxxx <br> Counter-Client provided the policies for all properties. The one policy for the property located at xxxxxx still has issues. Allocated loan amount is xxxxxx. Dwelling coverage is only for 84k and 8400 in other structures. Guides require that the Lender provide one of the following. Replacement Cost Estimator from the property insurer or a 3rd party source<br> • Estimated cost to replace the dwelling from a recent appraisal, which in this case is higher than than policy OR<br> • The unpaid principal balance of the mortgage.<br> - Due Diligence Vendor-xxxxxx <br> Counter--Received same policy in file that is not for subject properties. Missing complete hazard insurance declaration page for each subject property and premium allocation for each property. Additional Findings may apply - Due Diligence Vendor-xxxxxx <br> Open--Missing complete hazard insurance declaration page for each property and premium allocation for each property. Additional Findings may apply - Due Diligence Vendor-xxxxxx |  | Resolved--Hazard insurance coverage provided showing xxxxxx in dwelling coverage for property in question. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 754 is 54 points higher than required 700.<br>Months Reserves exceed minimum required - - Verified 47 months reserves are 45 months greater than required 2 month |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778396 | xxxxxx D A | Closed | xxxxxx | 2022-11-07 15:45 | 2022-11-08 16:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved--Received worksheet - Due Diligence Vendor-xxxxxx <br>Open- Missing Lenders DSCR Cross Collateral workbook including loan amount allocation. Additional Findings may apply - Due Diligence Vendor-xxxxxx |  | Resolved--Received worksheet - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 754 is 54 points higher than required 700.<br>Months Reserves exceed minimum required - - Verified 47 months reserves are 45 months greater than required 2 month |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778430 | xxxxxx C B A | Closed | xxxxxx | 2022-09-26 19:43 | 2022-09-28 08:21 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. The operating agreement on file (which can be found on page 503) indicates xxxxxx has 50% ownership. Resending the attached entity doc. - Seller-xxxxxx <br>Open-Asset Qualification Does Not Meet Guideline Requirements - Borrower used funds for assets and reserves from xxxxxx. This account is in the name of xxxxxx on the VOD and xxxxxx operating on the actual statement. There is a letter in file from a person named xxxxxx who claims he and the borrower are 50% owners, and he has 100% access, however, there is no evidence that either of them are the actual owners of the business. Provide proof borrower is 50% owner with xxxxxx to satisfy the asset and reserve requirement - Due Diligence Vendor-xxxxxx <br>Open- Asset Qualification Does Not Meet Guideline Requirements - Borrower used funds for assets and reserves from xxxxxx. This account is in the name of xxxxxx. There is a letter in filed from a person named xxxxxx who claims he and borrower are 50% owners, and he has 100%, access, however, there is no evidence that either of them are the actual owners of the business. Provide proof borrower is 50% owner with xxxxxx to satisfy the asset and reserve requirement - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. The operating agreement on file (which can be found on page 503) indicates xxxxxx has 50% ownership. Resending the attached entity doc. - Seller-xxxxxx | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-xxxxxx<br>|  |  | xxxxxx - OPERATING AGR.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778430 | xxxxxx C B A | Closed | xxxxxx | 2022-09-26 19:47 | 2022-09-27 12:46 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived-Public assistance available for xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Public assistance available for xxxxxx. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Self-Employment Verification for 7+ years |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778430 | xxxxxx C B A | Closed | xxxxxx | 2022-09-27 12:43 | 2022-09-27 12:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% DCSCR < 1.00 allows a max of 70 LTV with a fico of 717. Considered non material due to 720 fico required for 75 LTV. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% DCSCR < 1.00 allows a max of 70 LTV with a fico of 717. Considered non material due to 720 fico required for 75 LTV. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Self-Employment Verification for 7+ years |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776721 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 13:29 | 2022-09-12 15:41 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - OFAC/ GSA/LDP checked for Borrower and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. Finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - OFAC/ GSA/LDP checked for Borrower and Loan officer. But guideline require if any of the companies or individuals involved in the origination, underwriting, or servicing of the mortgage transaction. Finding deemed non-material. --Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 129 exceed minimum required 10.<br>DSCR % greater than 1.25 - DSCR of 1.61<br>LTV is less than guideline maximum - LTV 50% is less than guideline maximum 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776721 | xxxxxx D B A | Closed | xxxxxx | 2022-09-16 08:43 | 2022-09-16 08:58 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Divorce Decree | Waived--Provide complete Divorce decree. Cd reflects a pmt for debt paid for xxxxxx. Subject to additional findings. DSCR loan, therefore, considered non material as there is No DTI. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx <br>Open--Provide complete Divorce decree to confirm existing and future ownership of all REO's and other obligations as awarded to the Borrower per decree. - Due Diligence Vendor-xxxxxx |  | Waived--Provide complete Divorce decree. Cd reflects a pmt for debt paid for xxxxxx. Subject to additional findings. DSCR loan, therefore, considered non material as there is No DTI. Investor waiver applied to non-material finding<br> - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 129 exceed minimum required 10.<br>DSCR % greater than 1.25 - DSCR of 1.61<br>LTV is less than guideline maximum - LTV 50% is less than guideline maximum 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 776721 | xxxxxx D B A | Closed | xxxxxx | 2022-09-12 13:05 | 2022-09-12 21:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Legal document incorrect or has issues | Waived--Investor waiver applied to non-material finding<br> - Deemed non-material due to subject being DSCR - Due Diligence Vendor-xxxxxx <br>Open--Provide complete Divorce decree. CD reflect payoff xxxxxx for xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived--Investor waiver applied to non-material finding<br> - Deemed non-material due to subject being DSCR - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 129 exceed minimum required 10.<br>DSCR % greater than 1.25 - DSCR of 1.61<br>LTV is less than guideline maximum - LTV 50% is less than guideline maximum 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778444 | xxxxxx D B A C | Closed | xxxxxx | 2022-10-21 16:29 | 2022-11-02 08:46 | Resolved | 1 - Information C A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved--Received Disaster Report Inspection, no damage reported or observed - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Public assistance available for xxxxxx.<br> Property Inspection required. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx<br>| Resolved--Received Disaster Report Inspection, no damage reported or observed - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 108.58 months reserves and 2 months required. |  | xxxxxx_Disaster Property Inspection Report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778444 | xxxxxx D B A C | Closed | xxxxxx | 2022-10-21 15:54 | 2022-11-01 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Unable to Resolve-Unable to Resolve-xxxxxx is not a borrower. She was removed from the loan application on xxxxxx. - Seller-xxxxxx <br>Open-Borrower 2 Credit Report is Missing. - Missing credit report for xxxxxx. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Unable to Resolve-Unable to Resolve-xxxxxx is not a borrower. She was removed from the loan application on xxxxxx. - Seller-xxxxxx<br>| Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 108.58 months reserves and 2 months required. |  | xxxxxx_CREDIT REPORT FOR xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778444 | xxxxxx D B A C | Closed | xxxxxx | 2022-10-21 15:17 | 2022-11-01 14:23 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Received Warranty Deed dated xxxxxx - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. - Seller-xxxxxx <br> Ready for Review-Pls. refer to prelim item no. 13 (per property profile borrower purchased this property on xxxxxx AND paid off mortgage on xxxxxx with xxxxxx, thus the title will only reflect item no. 13 on the prelim for the payoff of current mortgage with Loan Depot). - Seller-xxxxxx <br> Unable to Resolve-Unable to Resolve-Pls. refer to prelim item no. 13 (also per property profile borrower purchased this property on xxxxxx). - Seller-xxxxxx <br> Open-Unsatisfactory Chain of Title provided - Missing 24-month chain of title. (Fraud report shows xxxxxx acquired the property xxxxxx and xxxxxx to xxxxxx on xxxxxx.) Title does not reflect 24 month chain just payoff of current mortgage xxxxxx. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Ready for Review-Pls. refer to prelim item no. 13 (per property profile borrower purchased this property on xxxxxx AND paid off mortgage on xxxxxx with xxxxxx, thus the title will only reflect item no. 13 on the prelim for the payoff of current mortgage with Loan Depot). - Seller-xxxxxx <br>Unable to Resolve-Unable to Resolve-Pls. refer to prelim item no. 13 (also per property profile borrower purchased this property on xxxxxx. - Seller-xxxxxx | Resolved-Satisfactory Chain of Title has been provided - Received Warranty Deed dated xxxxxx - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 108.58 months reserves and 2 months required. |  | xxxxxx_Deed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778531 | xxxxxx D B A | Closed | xxxxxx | 2022-09-25 11:47 | 2022-11-02 13:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. - Buyer-xxxxxx <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Foreign national borrowers. Missing xxxxxx credit report for the borrower and or credit reference letters for the coborrower. - Due Diligence Vendor-xxxxxx |  |  | Qualifying DTI below maximum allowed - DSCR Ratio of 1.06 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778531 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 11:28 | 2022-11-02 13:34 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. - Buyer-xxxxxx <br> Open-The Alternative Credit Documentation for Foreign National is Missing. The Co borrower does not show a social, and therefore, credit reference letters as required in the guidelines - Due Diligence Vendor-xxxxxx |  |  | Qualifying DTI below maximum allowed - DSCR Ratio of 1.06 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778531 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 11:28 | 2022-11-02 13:32 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Waived--Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. - Buyer-xxxxxx <br> Open-Borrower 1 Credit Report is Missing. The borrowers has a social security number, and therefore, a credit report should have been provided. Must show a min of 680 fico - Due Diligence Vendor-xxxxxx |  | Waived--Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - ST - DSCR exceeds minimum requirement under applicable guidelines. Finding to remain material due to missing required forms of credit for both borrower and co-borrower - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DSCR Ratio of 1.06 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778531 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 11:29 | 2022-11-02 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. See attached Drive Report. Co-borrower is referenced in the report. - Buyer-xxxxxx <br>Open-Missing Third Party Fraud Report Missing entire report for Co Borrower - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DSCR Ratio of 1.06 |  | xxxxxx DRIVE Report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778531 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 11:47 | 2022-10-13 10:37 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Required forms/disclosures missing | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted.<br> - Due Diligence Vendor-xxxxxx <br> Open-Missing property detail report for primary at xxxxxx to show home is free and clear per guides. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's xxxxx eligibility criteria is granted. Compensating Factor 1 - ST - DSCR exceeds minimum requirement under applicable guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DSCR Ratio of 1.06 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778531 | xxxxxx D B A | Closed | xxxxxx | 2022-09-26 11:49 | 2022-09-30 18:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Open-POA is not allowed on a Foreign National. Exception is in file, however, it was not approved by the Investor. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - ST - DSCR exceeds minimum requirement under applicable guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DSCR Ratio of 1.06 | -6 yrs on job (although nothing verified)<br> - owns property in US |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778531 | xxxxxx D B A | Closed | xxxxxx | 2022-09-25 11:32 | 2022-09-27 14:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Open-Audited Reserves of 6.33 month(s) are less than Guideline Required Reserves of 12 month(s) 6 months is permitted with an LTV reduction but the LTV is already at the program maximum, therefore 12 months is required. Considered material as there no comp factors - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - ST - DSCR exceeds minimum requirement under applicable guidelines<br> - Due Diligence Vendor-xxxxxx | Qualifying DTI below maximum allowed - DSCR Ratio of 1.06 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778540 | xxxxxx C A | Closed | xxxxxx | 2022-12-02 18:12 | 2022-12-22 10:17 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Resolved--Letter and documentation from seller confirming only 5 loans in process (3 of which already submitted) at this time, including the subject. - Due Diligence Vendor-xxxxxx <br>Counter--Client response: uploaded a UW exception for the guidelines that was cleared. uploaded an LOE Email that explains that there are only 4 open loans with this borrower. -(AUDIT RESPONSE) - Documentation received show borrower currently has 17 financed properties, 5 of which are in process waiting for home to be completed. Finding remains - Due Diligence Vendor-xxxxxx <br>Open--Borrower has subject loan and 6 additional open applications with xxxxxx; max allowed with Lender is 5. Unable to verify if loans have closed concurrently with subject. - Due Diligence Vendor-xxxxxx |  | Resolved--Letter and documentation from seller confirming only 5 loans in process (3 of which already submitted) at this time, including the subject. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778541 | xxxxxx C A | Closed | xxxxxx | 2022-12-02 16:28 | 2022-12-22 10:16 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Resolved--Letter and documentation from seller confirming only 5 loans in process (3 of which are already delivered) at this time, including the subject. - Due Diligence Vendor-xxxxxx <br>Counter--Client response: uploaded a UW exception for the guidelines that was cleared. uploaded an LOE Email that explains that there are only 4 open loans with this borrower. -(AUDIT RESPONSE) - Documentation received show borrower currently has 17 financed properties, 5 of which are in process waiting for home to be completed. Finding remains - Due Diligence Vendor-xxxxxx<br> Open--Borrower has subject loan and 6 additional open applications with xxxxxx; max allowed with Lender is 5. Unable to verify if loans have closed concurrently with subject. - Due Diligence Vendor-xxxxxx |  | Resolved--Letter and documentation from seller confirming only 5 loans in process (3 of which are already delivered) at this time, including the subject. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - Calculated LTV is 10% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 779249 | xxxxxx C B A | Closed | xxxxxx | 2022-10-31 10:13 | 2022-11-01 14:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 64.52% exceeds Guideline LTV of 60% - Guide max allowed LTV 65% , but deduct 5% since appraiser provided market rent based on short term rental as no long-term rental comparable. Investor approval in file. - Due Diligence Vendor-xxxxxx |  | Waived-Audited LTV of 64.52% exceeds Guideline LTV of 60% - Guide max allowed LTV 65% , but deduct 5% since appraiser provided market rent based on short term rental as no long-term rental comparable. Investor approval in file. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 169 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 744 is at least 20 points above minimum for program 660.<br>DSCR % greater than 1.20 - DSCR 1.30% greater than 1.20 | -DSCR IS AT 1.07% using Appraiser's Income determination for short term market. <br> -126 months in reserves.<br> - Borrower has a excellent experience managing and owning rental properties.<br> - The Borrower has excellent credit history.<br> - The Borrower has excellent income from rental properties. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 779249 | xxxxxx C B A | Closed | xxxxxx | 2022-10-31 10:56 | 2022-11-01 14:49 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Document Uploaded. Certificate of good standing provided. Additional commentary provided to clarify other loans for borrower: the certificate of loans to one borrower does not prompt us to list all loans applied for or made by xxxxxx because all the previous loans have already been sold. Thus, there's no unpaid principal balance with xxxxxx. - Due Diligence Vendor-xxxxxx <br>Open-Per guideline require following documentation for loan closing in a Corporation.:<br> - Certificate of Good Standing (Issued by the Secretary of State (SOS) where the Corporation is incorporated). <br> - Receipt of current year franchise tax payment or clear search.<br> - By-Laws (and all amendments). Any business structure is limited to a maximum of four (4) owners or members.<br> - Certificate of loans to one borrower does not reflect additional loans to Borrower. However, Fraud guard reflect additional REO loans financed through xxxxxx. <br> - Additional Conditions may apply as investor exposure is limited to xxxxxx in current unpaid principal balance (UPB) or ten (10) loans. - Due Diligence Vendor-xxxxxx |  | Resolved-Document Uploaded. Certificate of good standing provided. Additional commentary provided to clarify other loans for borrower: the certificate of loans to one borrower does not prompt us to list all loans applied for or made by xxxxxx because all the previous loans have already been sold. Thus, there's no unpaid principal balance with xxxxxx. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 169 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 744 is at least 20 points above minimum for program 660.<br>DSCR % greater than 1.20 - DSCR 1.30% greater than 1.20 |  | xxxxxx_CERT OF GOOD STANDING.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 779462 | xxxxxx D A | Closed | xxxxxx | 2022-11-04 10:42 | 2022-11-07 11:11 | Resolved | 1 - Information A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved--Received corrected 1003 - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. Pls. find attached final 1003 with employment info. - Seller-xxxxxx <br>Open- - Due Diligence Vendor-xxxxxx<br> Ready for Review-PLS. DISREGARD THE LAST RESPONSE. I HAPPEND TO LOOKED AT THE WRONG FILE. - Seller-xxxxxx <br>Ready for Review-Employer information is listed on 1003 (see page 4 for Final 1003 & page 710 for Initial 1003 out of 1919) - Seller-xxxxxx <br>Open-1003 is missing employer information. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Pls. find attached final 1003 with employment info. - Seller-xxxxxx <br>Ready for Review-PLS. DISREGARD THE LAST RESPONSE. I HAPPEND TO LOOKED AT THE WRONG FILE. - Seller-xxxxxx <br>Ready for Review-Employer information is listed on 1003 (see page 4 for Final 1003 & page 710 for Initial 1003 out of 1919) - Seller-xxxxxx<br>| Resolved--Received corrected 1003 - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 51 months reserves versus guideline minimum of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 705 is 25 points higher than required 680. |  | xxxxxx_FINAL 1003 - ALL PAGES.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 779462 | xxxxxx D A | Closed | xxxxxx | 2022-11-03 15:46 | 2022-11-07 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved--Received EIN - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-- Missing EIN for xxxxxx - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received EIN - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 51 months reserves versus guideline minimum of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 705 is 25 points higher than required 680. |  | xxxxxx_EIN.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 779462 | xxxxxx D A | Closed | xxxxxx | 2022-11-03 16:40 | 2022-11-04 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx <br>Open-Third Party Fraud Report Partially Provided - Missing Fraud Report for xxxxxx (signer 2) - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 51 months reserves versus guideline minimum of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 705 is 25 points higher than required 680. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 779472 | xxxxxx D B A | Closed | xxxxxx | 2022-11-01 12:39 | 2022-11-10 10:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% - The max allowed is 75% but deducted a 5% for using short term rental income. Additional 5% reduction for declining market per Appraiser. File contains 5% LTV exception approved by the Investor. - Due Diligence Vendor-xxxxxx |  | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% - The max allowed is 75% but deducted a 5% for using short term rental income. Additional 5% reduction for declining market per Appraiser. File contains 5% LTV exception approved by the Investor. - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.20 - DSCR 1.9 % greater than 1.20 | Borrower has 14 months reserves.<br> DSCR over 1.25 at 1.89 using Short term rental<br> B+ rating on xxxxxx with 69% occupancy factor |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779472 | xxxxxx D B A | Closed | xxxxxx | 2022-11-01 11:26 | 2022-11-07 16:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Resolved--Received updated bank credit letter with required information - Due Diligence Vendor-xxxxxx <br>Resolved-The Alternative Credit Documentation for Foreign National is Present or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx<br>Open-The Alternative Credit Documentation for Foreign National is Missing. The Alternative Credit Documentation for Foreign National is Missing/Incomplete. - Borrower is a foreign National (xxxxxx received credit reference letter. However, does not meet guidelines: Reference letter in file from xxxxxx and xxxxxx reflect Borrower name. xxxxxx letter indicate multiple banking products since 2019. xxxxxx letter reflect account numbers and balances. However, does not meet guideline requirement of Each letter of reference must state the type and length of the relationship, how the account is held, payment amount, outstanding balance and status of account including a minimum 12-month payment history. Additional conditions may apply upon review. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved--Received updated bank credit letter with required information - Due Diligence Vendor-xxxxxx <br>Resolved-The Alternative Credit Documentation for Foreign National is Present or Not Applicable. - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.20 - DSCR 1.9 % greater than 1.20 |  | xxxxxx_CREDITOR EXPLANATION.pdf<br>xxxxxx - clt in good standing letter.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 779472 | xxxxxx D B A | Closed | xxxxxx | 2022-11-01 11:37 | 2022-11-03 09:40 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved--Documentation provided to clear alerts - Due Diligence Vendor-xxxxxx<br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. (1) Potential Non-Arms length transaction - the processor xxxxxx is not related to client. (2) 2 high alerts related to ownership - pls. refer to page 586 through 658 of the file upload for the property profile search which has no indication of ownership to client's name. In addition, pls. find attached property profile for xxxxxx indicates no relevancy to client and a general property search for xxxxxx shows no match for xxxxxx. - Seller-xxxxxx <br>Counter--Fraud report has 6 High Alerts, 3 are related to SSN which can be cleared due to borrower being a foreigner with SSN xxxxxx. However, 3 High Alerts (1) Potential Non-Arms length transaction (2) 2 are related to ownership. Missing updated Fraud report to show the latter 3 Alerts have been reviewed and cleared. Finding remains. - Due Diligence Vendor-xxxxxx <br>Ready for Review-Due to the client is a foreigner, the SSN xxxxxx identified to be same as other files in our LOS. - Seller-xxxxxx <br>Open-Fraud Report Shows Uncleared Alerts - Fraud report reflects uncleared/resolved High alerts regarding potential identity issue and potential ownership issue. Provide an updated 1003 if necessary. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. (1) Potential Non-Arms length transaction - the processor xxxxxx is not related to client. (2) 2 high alerts related to ownership - pls. refer to page 586 through 658 of the file upload for the property profile search which has no indication of ownership to client's name. In addition, pls. find attached property profile for xxxxxx indicates no relevancy to client and a general property search for xxxxxx shows no match for xxxxxx. - Seller-xxxxxx <br>Ready for Review-Due to the client is a foreigner, the SSN xxxxxx identified to be same as other files in our LOS. - Seller-xxxxxx<br>| Resolved--Documentation provided to clear alerts - Due Diligence Vendor-xxxxxx <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx<br>| DSCR % greater than 1.20 - DSCR 1.9 % greater than 1.20 |  | xxxxxx - CLEAR FRAUD GUARD.pdf<br>xxxxxx - CLEAR FRAUD GUARD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 779472 | xxxxxx D B A | Closed | xxxxxx | 2022-11-01 11:24 | 2022-11-02 08:33 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved--Received complete/executed ACH form - Due Diligence Vendor-xxxxxx<br>Ready for Review-Document Uploaded. See attached completed ACH form. - Seller-xxxxxx <br>Open--Guidelines require ACH form for all foreign national borrowers. ACH form in file is incomplete and note executed. Funds must be from a xxxxxx. The executed (ACH) enrollment form must be included in the closed loan submission package. The (ACH) enrollment form must include the bank routing number, account number, and account type. Borrowers may select a date within the grace period stated on the Note.<br> - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. See attached completed ACH form. - Seller-xxxxxx<br>| Resolved--Received complete/executed ACH form - Due Diligence Vendor-xxxxxx | DSCR % greater than 1.20 - DSCR 1.9 % greater than 1.20 |  | AUTOMATIC PMT AUTHORIZATION FORM - INTERNAL.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 779472 | xxxxxx D B A | Closed | xxxxxx | 2022-11-01 11:12 | 2022-11-01 13:25 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Non-material due to final CD reflect disbursement date xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Non-material due to final CD reflect disbursement date xxxxxx.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| DSCR % greater than 1.20 - DSCR 1.9 % greater than 1.20 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779600 | xxxxxx B A | Closed | xxxxxx | 2022-12-04 13:22 | 2022-12-04 13:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of xxxxxx - Investor exception approval provided reflecting loan amount exception granted with just shy of required 12 months seasoning. Waiver applied. - Due Diligence Vendor-xxxxxx |  | Waived-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of xxxxxx - Investor exception approval provided reflecting loan amount exception granted with just shy of required 12 months seasoning. Waiver applied. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 689 is 29 points higher than required 660<br>Months Reserves exceed minimum required - - Verified 47 months reserves are 45 months greater then required 2 months | -689 FICO<br> -47 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 779824 | xxxxxx C A | Closed | xxxxxx | 2022-12-03 11:17 | 2022-12-19 14:23 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received which supports the value - Due Diligence Vendor-xxxxxx <br>Counter--Desk review has been ordered to support value - Due Diligence Vendor-xxxxxx <br>Counter--Client response: Please refer to guidelines in the introduction showing xxxxxx guidelines are always followed. the CU from xxxxxx is 1 therefore nothing additional was required.<br> -(AUDIT RESPONSE) - Introduction states is a topic is not address within the guidelines, align with xxxxxx. This guideline is addresses and provided. LCA has a score of 4.0 which requires a CDA. Finding remains - Due Diligence Vendor-xxxxxx <br>Open--Provide satisfactory CDA from Clear Capital to support appraised value of xxxxxx. LCA score provided is 4.0. - Due Diligence Vendor-xxxxxx |  | Resolved-A desk review was received which supports the value - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 67% less than 80% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 776 exceeds required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 779824 | xxxxxx C A | Closed | xxxxxx | 2022-12-05 09:39 | 2022-12-12 18:59 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved--Guidelines do allow up to 70% LTV - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower Rental Experience is within Guideline Requirements. - Due Diligence Vendor-xxxxxx <br>Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) - First-time home buyers are not eligible (First time investor/homebuyer living rent free not allowed) - Due Diligence Vendor-xxxxxx |  | Resolved--Guidelines do allow up to 70% LTV - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower Rental Experience is within Guideline Requirements. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 67% less than 80% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 776 exceeds required 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780095 | xxxxxx C A | Closed | xxxxxx | 2022-12-01 18:23 | 2022-12-22 10:18 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Resolved--Letter and documentation from seller confirming only 5 loans in process (3 of which already submitted) at this time, including the subject. - Due Diligence Vendor-xxxxxx <br>Counter--Client response: uploaded a UW exception for the guidelines that was cleared. uploaded an LOE Email that explains that there are only 4 open loans with this borrower. -(AUDIT RESPONSE) - Documentation received show borrower currently has 17 financed properties, 5 of which are in process waiting for home to be completed. Finding remains - Due Diligence Vendor-xxxxxx <br>Open--Borrower has subject loan and 6 additional open applications with xxxxxx; max allowed with Lender is 5. Unable to verify if loans have closed concurrently with subject. - Due Diligence Vendor-xxxxxx |  | Resolved--Letter and documentation from seller confirming only 5 loans in process (3 of which already submitted) at this time, including the subject. - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV is 5% below guideline max. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780129 | xxxxxx C B A | Closed | xxxxxx | 2022-11-02 17:00 | 2022-11-09 13:07 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided; Rec'd prior policy effective from xxxxxx. - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. Please see prior policy to accompany renewal policy included in closing - Seller-xxxxxx <br>Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx and prior policy declarations page was not provided. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Please see prior policy to accompany renewal policy included in closing - Seller-xxxxxx<br>| Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided; Rec'd prior policy effective from xxxxxx. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - -760 FICO exceeds minimum required 620.<br>Months Reserves exceed minimum required - -108 months reserves exceeds required two months. |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 780129 | xxxxxx C B A | Closed | xxxxxx | 2022-11-02 17:35 | 2022-11-09 13:05 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived--(AUDIT RESPONSE): Loan qualified using lower 1007 rent and LTV is 15% below guideline max and meets requirements for unleased property LTV. Finding is non-material. Investor waiver applies to non-material findings. - Due Diligence Vendor-xxxxxx <br>Ready for Review-DSCR qualified on 1007 rent which was lower than leased rent. - Seller-xxxxxx <br>Open--Lease in place for the subject property is month to month. Missing two months proof of receipt to evidence of rent to prove continuance of lease as required for refinance transaction. - Due Diligence Vendor-xxxxxx | Ready for Review-DSCR qualified on 1007 rent which was lower than leased rent. - Seller-xxxxxx | Waived--(AUDIT RESPONSE): Loan qualified using lower 1007 rent and LTV is 15% below guideline max and meets requirements for unleased property LTV. Finding is non-material. Investor waiver applies to non-material findings. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - -760 FICO exceeds minimum required 620.<br>Months Reserves exceed minimum required - -108 months reserves exceeds required two months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 780192 | xxxxxx C B A | Closed | xxxxxx | 2022-11-28 10:54 | 2022-11-30 17:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted.<br> - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Uploaded the xxxxxx - Mortgage Statements and Translation, xxxxxx Credit Card Statements & Translation, xxxxxx Credit Card Statements & Translation, and xxxxxx Primary Residence - Mortgage Statements and Translation. Requesting the exception now.<br> -(AUDIT RESPONSE) Received 3 foreign credit accounts (1) xxxxxx 6 month history (2) xxxxxx 13 month history (3) xxxxxx 8 month history. xxxxxx account was in original file and already reviewed. Only 1 account meets the 12 months requirement. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Foreign National Alternative Tradelines consisting of two of the following are required: Credit Reference Letters and/or Credit Card statements - 12 months; File contains only 8 months for primary residence pay history and one credit card account with 8 month pay history. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Self-employed for > 2 years / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 80+ months reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780192 | xxxxxx C B A | Closed | xxxxxx | 2022-11-28 10:08 | 2022-11-29 10:41 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Open-Title Coverage Amount of $277500 is Less than Total Amount of Subject Lien(s) of xxxxxx Updated Title coverage not provided. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified additional 80+ months reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780212 | xxxxxx C A | Closed | xxxxxx | 2022-10-26 12:48 | 2022-10-31 10:27 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--LCA score is 2.5 and CU is 1.3 - Due Diligence Vendor-xxxxxx <br> Open--Missing CDA or Field Review. (\*A xxxxxx Valuation Risk Review (VRR) or a Clear Capital Collateral Desktop Analysis (CDA) supporting the value will be required. - Due Diligence Vendor-xxxxxx |  | Resolved--LCA score is 2.5 and CU is 1.3 - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 804 is 144 points higher than required 660.<br>LTV is less than guideline maximum - - LTV 62.69% is 12.31% lower than maximum 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 780413 | xxxxxx D B A | Closed | xxxxxx | 2022-11-04 13:02 | 2022-11-18 09:54 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived--The request for an exception to xxxxxx's eligibility criteria is granted. Finding is deemed non-material as HOI dec page reflects Fair Rental Loss is included in however, does not provide amount of coverage. - Due Diligence Vendor-xxxxxx <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Missing rent loss or loss of use coverage of 6 months PITIA as required by the DSCR program. - Due Diligence Vendor-xxxxxx |  | Waived--The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 6 months or more. Finding is deemed non-material as HOI dec page reflects Fair Rental Loss is included in however, does not provide amount of coverage. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - -70% LTV less than max allowed of 80%.<br>Months Reserves exceed minimum required - -15 months reserves exceeds required six months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780509 | xxxxxx B A | Closed | xxxxxx | 2022-12-03 11:52 | 2022-12-03 11:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% - Max LTV is 70% for DSCR<1.0; Lender exception request and Investor approval in file. - Due Diligence Vendor-xxxxxx |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% - Max LTV is 70% for DSCR<1.0; Lender exception request and Investor approval in file. - Due Diligence Vendor-xxxxxx | On time mortgage history exceeds guideline requirement - - Primary Mtg pay history is 0x30 for 87 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 79 points above minimum required. | -Current primary ownership > 5 years<br> - FICO 30+ points > min required<br> -0x30 for 24 months on all mortgages |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780610 | xxxxxx D A | Closed | xxxxxx | 2022-11-30 11:08 | 2022-12-23 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Certificate of good standing, resolution doc and bylaws provided - Due Diligence Vendor xxxxxx <br>Counter--Received annual registration. Missing current year franchise tax payment or clear search. Certificate of Good standing and Borrowing Resolution/Corporate Resolution granting authority of signer to enter loan obligation. - Due Diligence Vendor xxxxxx <br>Open--Per guideline require following entity documentation for closing in the name of Corporation:<br> - Receipt of current year franchise tax payment or clear search. Certificate of Good standing. xxxxxx document in file dated xxxxxx and xxxxxx.<br> - Borrowing Resolution/Corporate Resolution granting authority of signer to enter loan obligation. - Due Diligence Vendor-xxxxxx |  | Resolved--Certificate of good standing, resolution doc and bylaws provided - Due Diligence Vedor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 692 is at least 20 points above minimum for program 620.<br>Months Reserves exceed minimum required - - Months Reserves 55 exceed minimum required 2.<br>LTV is less than guideline maximum - - LTV 35.63% is less than guideline maximum 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 780616 | xxxxxx B A | Closed | xxxxxx | 2022-11-28 18:16 | 2022-11-28 18:16 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non-material due to final disbursement date of xxxxxx - Due Diligence Vendor-xxxxxx |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non-material due to final disbursement date of xxxxxx - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 49 months reserves are 47 months greater than required 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 723 is 63 points higher than required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780799 | xxxxxx C B A | Closed | xxxxxx | 2022-12-07 16:58 | 2022-12-16 07:57 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br>Open-Housing History Does Not Meet Guideline Requirements -1003 reflect Borrower own primary residence for 4.5 years. Provide 12-month primary mortgage payment history supporting 0x30x12 months. HOI in file reflect mortgage with xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received supporting documentation - Due Diligence Vendor xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 785 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 14 exceed minimum required 2. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780799 | xxxxxx C B A | Closed | xxxxxx | 2022-12-07 17:56 | 2022-12-16 07:54 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx <br>Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-xxxxxx<br>Open-Asset Qualification Does Not Meet Guideline Requirements - HUD reflect xxxxxx loan proceeds in the amount xxxxxx. Provide documentation to support Borrower ownership of assets and loan term term details. Verified assets $119,416.56 sufficient for funds to close and reserves. - Due Diligence Vendor-xxxxxx |  | Resolved--Received supporting documentation - Due Diligence Vendor-xxxxxx<br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 785 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 14 exceed minimum required 2. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 780799 | xxxxxx C B A | Closed | xxxxxx | 2022-12-07 16:22 | 2022-12-08 10:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 785 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 14 exceed minimum required 2. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780799 | xxxxxx C B A | Closed | xxxxxx | 2022-12-07 17:26 | 2022-12-08 10:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% - Qualifying LTV 75% . Guideline max LTV 70% as for xxxxxx state max LTV 75% allowed reduced by 5% for declining market = 70. Exception in file approved by the Investor. <br> - Qualifying DSCR 1.05 based on the rental income $2300 from 2 units on the main property. Appraisal reflect xxxxxx but no rental income utilized for xxxxxx. - Due Diligence Vendor-xxxxxx |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% - Qualifying LTV 75% . Guideline max LTV 70% as for xxxxxx state max LTV 75% allowed reduced by 5% for declining market = 70. Exception in file approved by the Investor. <br> - Qualifying DSCR 1.05 based on the rental income $2300 from 2 units on the main property. Appraisal reflect 3 unit property but no rental income utilized for 3 detached unit. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 785 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 14 exceed minimum required 2. | -Credit Score 30+ points > minimum required<br> - Reserves exceed requirement by 10 months or more<br> - DSCR > 1.3 (when rental income based on 3 unit. However lender exception based on 2 family and DSCR 1.05) |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781243 | xxxxxx B A | Closed | xxxxxx | 2022-11-27 13:03 | 2022-11-29 08:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived--Received Investor exception approval - Due Diligence Vendor-xxxxxx <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Property is rural which is not allowed and exceeds the max xxxxxx allowed, property has xxxxxx. Investor approval required - Due Diligence Vendor-xxxxxx |  | Waived--Received Investor exception approval - Due Diligence Vendor xxxxxx | Months Reserves exceed minimum required - - Reserves of 94 months exceeds 12 month requirement.<br>LTV is less than guideline maximum - - LTV 31% is less than allowed 60%. | -LTV 10% or more below the maximum allowable under applicable guidelines<br> - Employed at same job >10 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781243 | xxxxxx B A | Closed | xxxxxx | 2022-11-27 13:47 | 2022-11-29 08:31 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived--Received Investor exception approval - Due Diligence Vendor-xxxxxx <br>Open-Cash Out Does Not Meet Guideline Requirements - Max cash out allowed is xxxxxx . Borrower received xxxxxx cash in hand. Investor approval required. - Due Diligence Vendor-xxxxxx |  | Waived--Received Investor exception approval - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Reserves of 94 months exceeds 12 month requirement.<br>LTV is less than guideline maximum - - LTV 31% is less than allowed 60%. | -LTV 10% or more below the maximum allowable under applicable guidelines<br> - Employed at same job >10 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781292 | xxxxxx D A | Closed | xxxxxx | 2022-12-02 09:36 | 2022-12-06 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open-Missing Third Party Fraud Report - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, OFAC run for borrower(s) - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx<br>| LTV is less than guideline maximum - - LTV 64.91% is 5.09% lower than maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 727 is 67 points higher than required 660 |  | xxxxxx - Cleared fraud report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781292 | xxxxxx D A | Closed | xxxxxx | 2022-12-06 13:48 | 2022-12-06 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx <br>Ready for Review-Document Uploaded. - Seller-xxxxxx <br>Open--NEW - Received Fraud report alerts summary only. Missing full Fraud report - Due Diligence Vendor-xxxxxx <br>Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. - Seller-xxxxxx<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV 64.91% is 5.09% lower than maximum 70%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 727 is 67 points higher than required 660 |  | xxxxxx - Cleared fraud report.pdf<br>xxxxxx - Full fraud report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781367 | xxxxxx B A | Closed | xxxxxx | 2022-11-16 05:55 | 2022-11-21 16:27 | Resolved | 1 - Information B A | Credit | Missing Doc | Missing Initial Escrow Disclosure | Resolved--Not required for business purpose. - Due Diligence Vendor-xxxxxx <br>Open-Initial Escrow Account Disclosure is Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved--Not required for business purpose. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified additional 32 months reserves from C/O proceeds.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 86 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781367 | xxxxxx B A | Closed | xxxxxx | 2022-11-16 12:42 | 2022-11-17 12:05 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the Note Date and Appraisal date | Waived--xxxxxx; Incident Period: xxxxxx and continuing; Emergency Declaration declared on xxxxxx. Public assistance for Subject county. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-xxxxxx; Incident Period: xxxxxx and continuing; Emergency Declaration declared on xxxxxx. Public assistance for Subject county. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Verified additional 32 months reserves from C/O proceeds.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 86 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781368 | xxxxxx C B A | Closed | xxxxxx | 2022-11-16 16:32 | 2022-11-22 10:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Counter--Seller provided internal exception approval for DSCR ratio not meeting guidelines. Pending investor exception, finding remains. - Due Diligence Vendor-xxxxxx <br> Open-The Calculated DSCR of '0.84' is less than the minimum DSCR per lender guidelines of '1'. - Min DSCR for Cash-out Refinance is 1.0; Exception Request and Investor approval not provided. - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 149 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 20% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 24 months reserves from cash-out proceeds. | -769 FICO<br> -55% LTV<br> - Strong Prepayment Penalty (5/4/3/2/1) |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781368 | xxxxxx C B A | Closed | xxxxxx | 2022-11-16 06:33 | 2022-11-21 16:36 | Resolved | 1 - Information B A | Credit | Missing Doc | Missing Initial Escrow Disclosure | Resolved--Not required for business purpose. - Due Diligence Vendor-xxxxxx <br>Open-Initial Escrow Account Disclosure is Missing - Statute of Limitations - three years. - Due Diligence Vendor-xxxxxx |  | Resolved--Not required for business purpose. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 149 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 20% below guideline max.<br>Months Reserves exceed minimum required - - Verified additional 24 months reserves from cash-out proceeds. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778444 | xxxxxx D B A C | Closed | xxxxxx | 2022-10-21 15:58 | 2022-11-01 14:20 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Waived--Investor waiver applied to finding to approve only 1 borrower on loan at 49% ownership. - Due Diligence Vendor-xxxxxx <br> Ready for Review-Document Uploaded. Pls. see attached exception approval from xxxxxx - Seller-xxxxxx <br> Counter--Per xxxxxx Guidelines 4.3.5 xxxxxx signed as a Borrower not as an Authorized Agent of the LLC. This LLC ownership is 49% to xxxxxx and 51% xxxxxx and both signed the Note as Borrower's of the LLC, a Fraud Report is required for xxxxxx. - Due Diligence Vendor-xxxxxx <br> Ready for Review-This is an entity, xxxxxx, borrower. - Seller xxxxxx <br> Ready for Review-In addition, Per xxxxxx GL 4.3.5 - Title vesting and ownership xxxxxx: Note, Deed of Trust/Mortgage and all Riders are to be signed by authorized signer of the entity.<br>Thus, xxxxxx signed the Note and Mortgage, because she's an authorized signer of the entity. - Seller-xxxxxx <br> Ready for Review-Per xxxxxxGL 4.3.5 - Title vesting and ownership xxxxxx: Only the debt appearing on the personal credit report of individual(s) providing a personal guaranty needs to be reflected on the 1003 loan application. <br> Per xxxxxx GL 5.1.2 - Fraud guard (xxxxxx): Data integrity is crucial to quality loan file delivery and mitigation of fraud risk. All parties to the transaction (Borrowers, Sellers, Brokers, Loan Officers, and Real Estate Agents) must be included in the fraud report performed by an automated fraud and data check vendor solution.<br>xxxxxx is not a borrower and thus there's no Fraud guard available. - Seller-xxxxxx <br> Counter--(AUDIT RESPONSE) xxxxxx is a Borrower per Note and Mortgage. Finding remains - Due Diligence Vendor-xxxxxx <br> Ready for Review-xxxxxx is not a borrower. She was removed from the loan application on xxxxxx. - Seller-xxxxxx <br> Unable to Resolve-Unable to Resolve-xxxxxx is not a borrower. She was removed from the loan application on xxxxxx. - Seller-xxxxxx <br> Open-Third Party Fraud Report Partially Provided - Missing fraud report for xxxxxx. - Due Diligence Vendor-xxxxxx | Ready for Review-Document Uploaded. Pls. see attached exception approval from xxxxxx. - Seller-xxxxxx<br> Ready for Review-This is an entity, xxxxxx, borrower. - Seller-xxxxxx <br> Ready for Review-In addition, Per xxxxxxGL 4.3.5 - Title vesting and ownership (xxxxxx): Note, Deed of Trust/Mortgage and all Riders are to be signed by authorized signer of the entity.<br>Thus, xxxxxx signed the Note and Mortgage, because she's an authorized signer of the entity. - Seller-xxxxxx<br> Ready for Review-Per xxxxxx GL 4.3.5 - Title vesting and ownership (xxxxxx): Only the debt appearing on the personal credit report of individual(s) providing a personal guaranty needs to be reflected on the 1003 loan application. <br> Per xxxxxx GL 5.1.2 - Fraud guard (xxxxxx): Data integrity is crucial to quality loan file delivery and mitigation of fraud risk. All parties to the transaction (Borrowers, Sellers, Brokers, Loan Officers, and Real Estate Agents) must be included in the fraud report performed by an automated fraud and data check vendor solution.<br>xxxxxx is not a borrower and thus there's no Fraud guard available. - Seller-xxxxxx <br> Ready for Review-xxxxxx is not a borrower. She was removed from the loan application on xxxxxx. - Seller-xxxxxx <br> Unable to Resolve-Unable to Resolve-xxxxxx is not a borrower. She was removed from the loan application on xxxxxx. - Seller-xxxxxx | Waived--Investor waiver applied to finding to approve only 1 borrower on loan at 49% ownership. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 108.58 months reserves and 2 months required. |  | xxxxxx - EXCEPTION RQT FOR OWNERSHIP.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 778444 | xxxxxx D B A C | Closed | xxxxxx | 2022-10-24 10:46 | 2022-10-27 09:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received signed 1003 for xxxxxx - Due Diligence Vendor-xxxxxx <br> Ready for Review-This is an entity,xxxxxx, borrower. - Seller xxxxxx <br> Ready for Review-Document Uploaded. Per xxxxxxGL 4.3.5 - Title vesting and ownership (xxxxxx): Only the debt appearing on the personal credit report of individual(s) providing a personal guaranty needs to be reflected on the 1003 loan application. <br>However, since she initially applied for a loan and then withdrew her application, attached is a copy of the initial 1003. - Seller xxxxxx <br> Counter--(AUDIT RESPONSE) xxxxxx is a Borrower per Note and Mortgage. Finding remains - Due Diligence Vendor-xxxxxx <br> Ready for Review-The credit qualification used for this loan is from xxxxxx, thus xxxxxx is only required to sign the Guaranty Agreement since the vesting is under an entity that she has ownership to. - Seller-xxxxxx <br> Unable to Resolve-Unable to Resolve-xxxxxx was removed from loan application on xxxxxx thus only xxxxxx is required to have Form 1003 but she signed the Guaranty Agreement since the vesting is under an entity that she has ownership to. - Seller-xxxxxx <br> Open--Missing signed 1003 for xxxxxx (final or initial). Required for each entity providing a personal guaranty. - Due Diligence Vendor-xxxxxx | Ready for Review-This is an entity,xxxxxx, borrower. - Seller-xxxxxx<br> Ready for Review-Document Uploaded. Per xxxxxx's GL 4.3.5 - Title vesting and ownership xxxxxx: Only the debt appearing on the personal credit report of individual(s) providing a personal guaranty needs to be reflected on the 1003 loan application. <br>However, since she initially applied for a loan and then withdrew her application, attached is a copy of the initial 1003. - Seller xxxxxx <br> Ready for Review-The credit qualification used for this loan is from xxxxxx, thus xxxxxx is only required to sign the Guaranty Agreement since the vesting is under an entity that she has ownership to. - Seller-xxxxxx <br> Unable to Resolve-Unable to Resolve-xxxxxx was removed from loan application on xxxxxx thus only xxxxxx is required to have Form 1003 but she signed the Guaranty Agreement since the vesting is under an entity that she has ownership to. - Seller-xxxxxx | Resolved--Received signed 1003 for xxxxxx - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 108.58 months reserves and 2 months required. |  | xxxxxx_INITIAL 1003 FOR xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778444 | xxxxxx D B A C | Closed | xxxxxx | 2022-10-21 15:26 | 2022-10-24 10:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program - Rural location not allowed. Non Material due to The comps provided on the appraisal report are within a mile distance from the subject<br> property. Base on the report and the surrounding areas the property does not show to be Rural. <br> Approved exception request in file.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program - Rural location not allowed. Non Material due to The comps provided on the appraisal report are within a mile distance from the subject<br> property. Base on the report and the surrounding areas the property does not show to be Rural. <br> Approved exception request in file.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 108.58 months reserves and 2 months required. | - Over 6 years experience managing and owning investment properties<br> - 25+ months reserves<br> - DSCR > 1.00<br> - Great Credit History |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781422 | xxxxxx C B A | Closed | xxxxxx | 2022-12-02 11:01 | 2022-12-13 11:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Waived--The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Open-Trust/POA Does Not Meet Guideline Requirements - POA is not permitted on cash-out transactions. - Due Diligence Vendor-xxxxxx |  | Waived--The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - ST - DSCR exceeds minimum requirement under applicable guidelines - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Verified 22 months reserves from cash-out on subject loan; no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 24 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781422 | xxxxxx C B A | Closed | xxxxxx | 2022-12-02 10:51 | 2022-12-02 11:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Borrowers currently living with family are not allowed; Lender exception request and Investor approval in file. - Due Diligence Vendor-xxxxxx |  | Waived--Borrowers currently living with family are not allowed; Lender exception request and Investor approval in file. - Due Diligence Vendor xxxxxx | Months Reserves exceed minimum required - - Verified 22 months reserves from cash-out on subject loan; no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 24 points above minimum required. | -Reserves exceed requirement by 6 months or more<br> - Experienced Investor owns and manages 2 or more properties for 12 months<br> - Credit score 20 points > minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781424 | xxxxxx C B A | Closed | xxxxxx | 2022-12-01 12:30 | 2022-12-21 16:02 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx <br>Counter-A desk review has been ordered to support the value. - Due Diligence Vendor-xxxxxx <br>Open--Missing desk review. xxxxxx is 3.5 - Due Diligence Vendor-xxxxxx |  | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 23 additional months of reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781424 | xxxxxx C B A | Closed | xxxxxx | 2022-12-01 12:17 | 2022-12-16 07:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-The request for an exception to xxxxxx's eligibility criteria is granted. <br> Open-Housing History Does Not Meet Guideline Requirements - Borrower with no primary housing expense are not allowed under program guidelines. Investor approval in file however, approval reflects a LTV of 65%, actual LTV is 70%. New Investor approval required due to increase in LTV. - Due Diligence Vendor-xxxxxx |  | Waived-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 10 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 2 months or more - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - 23 additional months of reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781424 | xxxxxx C B A | Closed | xxxxxx | 2022-12-01 12:05 | 2022-12-01 12:32 | Waived | 2 - Non-Material B | Credit | Insurance | Flood Certification Date is greater than Note Date | Waived-Flood Certification Date is greater than xxxxxx - Flood cert is dated xxxxxx, one day after closing date. Finding is deemed non-material. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx |  | Waived-Flood Certification Date is greater than xxxxxx - Flood cert is dated xxxxxx, one day after closing date. Finding is deemed non-material. - Investor waiver applied to non-material Findings - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 23 additional months of reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781735 | xxxxxx D A C | Closed | xxxxxx | 2022-12-02 09:45 | 2022-12-14 15:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved--Received complete final title - Due Diligence Vendor xxxxxx <br>Counter--Received 1 page. Missing full title commitment - Due Diligence Vendor-xxxxxx<br> Open-Title Document is missing - Missing acceptable title documentation which also must show a 24 month chain of title information. - Due Diligence Vendor-xxxxxx |  | Resolved--Received complete final title - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - -77 months reserves exceeds required 6 months.<br>LTV is less than guideline maximum - - LTV 75% less than 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781735 | xxxxxx D A C | Closed | xxxxxx | 2022-12-02 11:11 | 2022-12-12 15:17 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx <br>Counter-A desk review has been ordered to support the value - Due Diligence Vendor-xxxxxx <br>Counter--Received property report. File is missing acceptable, CDA, desk review, AVM, or CU/LCA with score of <=2.5 to support appraised value of xxxxxx. - Due Diligence Vendor-xxxxxx <br>Open--Missing acceptable, CDA, desk review, AVM, or CU/LCA with score of <=2.5 to support appraised value of xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - -77 months reserves exceeds required 6 months.<br>LTV is less than guideline maximum - - LTV 75% less than 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781735 | xxxxxx D A C | Closed | xxxxxx | 2022-12-02 11:12 | 2022-12-09 12:47 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved--Received corrected 1003 - Due Diligence Vendor-xxxxxx <br>Open--Update final 1003 to show xxxxxx as primary residence. 1003 provided shows borrower currently lives and owns the subject property at xxxxxx which is not allowed per program. Also update 1003 REO to confirm the xxxxxx Mortgage belongs to xxxxxx. Citizenship section is also not completed. - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected 1003 - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - -77 months reserves exceeds required 6 months.<br>LTV is less than guideline maximum - - LTV 75% less than 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781735 | xxxxxx D A C | Closed | xxxxxx | 2022-12-02 10:22 | 2022-12-09 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Credit Report is Missing. - Missing acceptable credit report dated within 90 days of the note and mortgage. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - -77 months reserves exceeds required 6 months.<br>LTV is less than guideline maximum - - LTV 75% less than 80% allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781809 | xxxxxx D A | Closed | xxxxxx | 2022-12-05 10:25 | 2022-12-09 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Credit Report is Missing. - Missing credit report for borrower showing acceptable credit history and score dated within 90 days of origination date of xxxxxx. Any mortgages reporting must have 0X30X12. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 75% is less than the 80% allowed.<br>Months Reserves exceed minimum required - -12 months reserves exceeds 0 month reserve requirement. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781810 | xxxxxx D A | Closed | xxxxxx | 2022-12-05 12:41 | 2022-12-09 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-xxxxxx <br>Open-Borrower 1 Credit Report is Missing. - Missing credit report dated within 90 days of origination date. Any mortgages reporting must be 0X30X12. - Due Diligence Vendor-xxxxxx |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 75% less than 80% allowed.<br>Months Reserves exceed minimum required - - Reserves of 11.33 exceeds minimum required 6 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781810 | xxxxxx D A | Closed | xxxxxx | 2022-12-05 15:48 | 2022-12-08 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Application | Resolved--Received Lender Application - Due Diligence Vendor-xxxxxx <br>Open--Application required on DSCR loan. - Due Diligence Vendor-xxxxxx |  | Resolved--Received Lender Application - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 75% less than 80% allowed.<br>Months Reserves exceed minimum required - - Reserves of 11.33 exceeds minimum required 6 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781810 | xxxxxx D A | Closed | xxxxxx | 2022-12-05 13:03 | 2022-12-08 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved--Received updated policy with sufficient rent loss - Due Diligence Vendor-xxxxxx <br>Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-xxxxxx <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Missing six month rent loss insurance coverage of at least $6,000. - Due Diligence Vendor-xxxxxx |  | Resolved--Received updated policy with sufficient rent loss - Due Diligence Vendor-xxxxxx <br>Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 75% less than 80% allowed.<br>Months Reserves exceed minimum required - - Reserves of 11.33 exceeds minimum required 6 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781810 | xxxxxx D A | Closed | xxxxxx | 2022-12-05 12:11 | 2022-12-08 13:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx <br> Open-Title Coverage Amount of $91000 is Less than Total Amount of Subject Lien(s) of xxxxxx. - Title coverage is required to meet 100% of the loan amount of xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-xxxxxx | LTV is less than guideline maximum - - LTV of 75% less than 80% allowed.<br>Months Reserves exceed minimum required - - Reserves of 11.33 exceeds minimum required 6 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 782039 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 14:44 | 2022-12-19 08:30 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. <br> - Due Diligence Vendor-xxxxxx <br> Counter--Client response: I reviewed the credit report and credit refresh and see no 30 days late on consumer debts? Also only 2 inquiries per CR are xxxxxx for the actual credit report and xxxxxx which exceeds 90 days from the CR date so should not be required. <br> -(AUDIT RESPONSE) - Credit report in file is dated 09/29/22, xxxxxx #9891 reflects 2x30 and xxxxxx reflects 1x30 , missing LOE - Due Diligence Vendor-xxxxxx <br> Open--Borrower to provide letter of explanation for 3x30 on consumer debts and inquiries stating no new debt acquired - Due Diligence Vendor-xxxxxx |  | Waived--Investor Waiver: The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 6 months or more<br> - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -704 FICO with min required of 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | Investor Post-Close | No | xxxxxx |
| 782039 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 14:37 | 2022-12-14 21:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter--Received Origination exception approval. Investor exception approval required. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% - Loan closed at 70% LTV which is not allowed with a DSCR <75, subject DSCR is0.64. DSCR <1.00 also requires a 5% LTV reduction - Due Diligence Vendor-xxxxxx |  | Waived-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 6 months or more - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -704 FICO with min required of 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | Investor Post-Close | No | xxxxxx |
| 782039 | xxxxxx D B A | Closed | xxxxxx | 2022-12-07 20:15 | 2022-12-14 21:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-The request for an exception to xxxxxx's eligibility criteria is granted.- Due Diligence Vendor-xxxxxx <br> Counter--Received Origination exception approval. Investor exception approval required. Finding remains - Due Diligence Vendor-xxxxxx <br> Open-The Calculated DSCR of '0.64' is less than the minimum DSCR per lender guidelines of '0.75'. - Minimum DSCR is .75 for LTV of 70%, Calculated DSCR is 0.64 - Due Diligence Vendor-xxxxxx |  | Waived-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 6 months or more - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -704 FICO with min required of 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | Investor Post-Close | No | xxxxxx |
| 782039 | xxxxxx D B A | Closed | xxxxxx | 2022-12-07 20:15 | 2022-12-14 21:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter--Received Originator exception approval. File is missing Investor exception approval - Due Diligence Vendor-xxxxxx <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) - Borrower is a First time investor as both rental properties were acquired xxxxxx. First Time investors must have a 12 month housing history, VOR in file shows lease start date xxxxxx. Borrower des not meet qualification for First Time Investor. - Due Diligence Vendor-xxxxxx |  | Waived-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 6 months or more - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -704 FICO with min required of 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | Investor Post-Close | No | xxxxxx |
| 782039 | xxxxxx D B A | Closed | xxxxxx | 2022-12-07 17:52 | 2022-12-14 21:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-xxxxxx <br> Counter--Received originator exception approval. File is missing Investor approval - Due Diligence Vendor-xxxxxx <br> Open-Housing History Does Not Meet Guideline Requirements - Per 1003, borrower states he has been at current residence for 2.1 years however, VOR shows borrower has only rented since 03/12/2022. Additionally, landlord is a private individual therefore, supporting documentation is required, i.e cancelled checks, etc. Additionally, credit report reflects prior address from xxxxxx<br> - Borrower is a First Time Investor and must have a 12 month housing history per guidelines - Due Diligence Vendor-xxxxxx |  | Waived--The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 6 months or more - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -704 FICO with min required of 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | Investor Post-Close | No | xxxxxx |
| 782039 | xxxxxx D B A | Closed | xxxxxx | 2022-12-07 17:42 | 2022-12-14 21:39 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved--Received corrected HOI dec page - Due Diligence Vendor-xxxxxx <br>Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-xxxxxx <br>Open-Named Insured does not match Borrower(s) Name(s) - Name and address of Insured on HO6 is not our borrower. Provide corrected document. - Due Diligence Vendor-xxxxxx |  | Resolved--Received corrected HOI dec page - Due Diligence Vendor-xxxxxx <br>Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -704 FICO with min required of 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | N/A | N/A | xxxxxx |
| 782039 | xxxxxx D B A | Closed | xxxxxx | 2022-12-07 19:52 | 2022-12-13 12:00 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved--Received updated Fraud report with alerts cleared - Due Diligence Vendor-xxxxxx <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx <br>Open-Fraud Report Shows Uncleared Alerts - Fraud report reflects high alert for appraiser, medium alert for Borrower and medium alert for Loan officer. Provide updated fraud report showing alerts and documentation to support as per guidelines - Due Diligence Vendor-xxxxxx |  | Resolved--Received updated Fraud report with alerts cleared - Due Diligence Vendor-xxxxxx<br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -704 FICO with min required of 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | N/A | N/A | xxxxxx |
| 782039 | xxxxxx D B A | Closed | xxxxxx | 2022-12-07 17:21 | 2022-12-13 11:57 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Received verification from Title Co #3 will be paid and #9 will be removed - Due Diligence Vendor-xxxxxx <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx <br>Open-Property Title Issue -(1) See item #3 - Missing evidence delinquent tax of xxxxxx is paid (2) Item #9 shows prior owner mortgage has not been satisfied and removed from title - Due Diligence Vendor-xxxxxx |  | Resolved--Received verification from Title Co #3 will be paid and #9 will be removed - Due Diligence Vendor-xxxxxx<br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - -704 FICO with min required of 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | N/A | N/A | xxxxxx |
| 782039 | xxxxxx D B A | Closed | xxxxxx | 2022-12-07 17:35 | 2022-12-12 15:49 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx<br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Missing Condo questionnaire and evidence condo is xxxxxx eligible - Due Diligence Vendor-xxxxxx |  | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - -704 FICO with min required of 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | N/A | N/A | xxxxxx |
| 1000055551 | xxxxxx D A | Closed | xxxxxx | 2022-11-17 12:02 | 2022-12-01 15:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Upon further review, documentation in file at time of review - Due Diligence Vendo-xxxxxx <br>Open-- 1003 reflect no primary housing expense. Final CD for subject property reflect no prior lien paid off .However, CR reflect HELOC with xxxxxx supporting 77 months of history and monthly payment $1113. Provide documentation supporting property address associated with the HELOC account and to meet guideline housing history requirement for the primary residency. - Due Diligence Vendor-xxxxxx |  | Resolved--Upon further review, documentation in file at time of review - Due Diligence Vendor xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 92 exceed minimum required 2.<br>LTV is less than guideline maximum - - LTV 39.8% is less than guideline maximum 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 1000055551 | xxxxxx D A | Closed | xxxxxx | 2022-11-17 12:19 | 2022-11-23 12:05 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Rec'd Clear Capital CDA in trailing docs. - Due Diligence Vendor-xxxxxx <br>Open--LCA/CU scores 2.5 or less or a desk review is required. - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd Clear Capital CDA in trailing docs. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 92 exceed minimum required 2.<br>LTV is less than guideline maximum - - LTV 39.8% is less than guideline maximum 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 1000055551 | xxxxxx D A | Closed | xxxxxx | 2022-11-17 11:46 | 2022-11-23 12:05 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Rec'd HOA Condo Questionnaire in trailing docs. - Due Diligence Vendor-xxxxxx<br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Provide HOA questionnaire with pending litigation status. File contain order confirmation but not a complete Condo questionnaire. - Due Diligence Vendor-xxxxxx |  | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-xxxxxx <br>Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Rec'd HOA Condo Questionnaire in trailing docs. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 92 exceed minimum required 2.<br>LTV is less than guideline maximum - - LTV 39.8% is less than guideline maximum 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 1000055551 | xxxxxx D A | Closed | xxxxxx | 2022-11-17 13:49 | 2022-11-23 12:02 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Title and Tax Cert received in trailing docs. - Due Diligence Vendor-xxxxxx<br>Open-Property Title Issue - Provide complete title with proposed insured. Also, provide complete tax cert covering 12 months. tax cert in file reflect taxes till xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved-Property Title Issue Resolved - Title and Tax Cert received in trailing docs. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 92 exceed minimum required 2.<br>LTV is less than guideline maximum - - LTV 39.8% is less than guideline maximum 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 1000055551 | xxxxxx D A | Closed | xxxxxx | 2022-11-17 12:50 | 2022-11-23 11:54 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved--xxxxxx Formation docs and Member Consent; Operating Agmt and Member consent for xxxxxx; Cert of Good Standing for xxxxxx. - Due Diligence Vendor-xxxxxx <br>Open--Per guideline require following documentation for BOTH xxxxxx and xxxxxx as stated on the Note:<br>\*Entity Articles of Organization or Partnership<br> \*Certificate of Good Standing or equivalent<br> \*LLC Borrowing Certificate - Multiple Member.<br> \*Corporate documents that contain a list of owners, title, and ownership percentage, e.g., organization structure. - Due Diligence Vendor-xxxxxx |  | Resolved--Rec'd xxxxxx Formation docs and Member Consent; Operating Agmt and Member consent for xxxxxx; Cert of Good Standing for xxxxxx - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 92 exceed minimum required 2.<br>LTV is less than guideline maximum - - LTV 39.8% is less than guideline maximum 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 1000055551 | xxxxxx D A | Closed | xxxxxx | 2022-11-17 11:51 | 2022-11-23 11:43 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Expiration Date is before the Note Date | Resolved-HO-6 Insurance Policy Expiration Date of xxxxxx is equal to or after the Note Date of xxxxxx Or HO-6 Insurance Policy Expiration Date Is Not Provided - Due Diligence Vendor-xxxxxx<br>Open-HO-6 Insurance Policy Expiration Date of xxxxxx is prior to the Note Date of xxxxxx - Also, provide complete insurance binder to meet guideline requirement with sufficient coverage for replacement of such items as xxxxxx, and any improvements made to the unit. Insurance in file reflect coverage for personal property and loss of use. - Due Diligence Vendor-xxxxxx |  | Resolved-HO-6 Insurance Policy Expiration Date of xxxxxx is equal to or after the Note Date of xxxxxx Or HO-6 Insurance Policy Expiration Date Is Not Provided - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 92 exceed minimum required 2.<br>LTV is less than guideline maximum - - LTV 39.8% is less than guideline maximum 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 1000055551 | xxxxxx D A | Closed | xxxxxx | 2022-11-17 11:51 | 2022-11-23 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx <br> Open-Missing HO-6 Master Insurance Policy - Provide complete Master HOI and to include Replacement Cost coverage and all endorsements. Master Liability of at least $1,000,000 per occurrence, and if more than 20 units, then xxxxxx Bond is required equaling at least the sum of three months of assessments on all units in the project. Maximum deductible is 5% of the face amount of the policy. - Due Diligence Vendor-xxxxxx |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 92 exceed minimum required 2.<br>LTV is less than guideline maximum - - LTV 39.8% is less than guideline maximum 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 1000055551 | xxxxxx D A | Closed | xxxxxx | 2022-11-17 12:03 | 2022-11-23 11:34 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx <br>Open-OFAC Check Not Completed and/or Cleared - CR reflect For Co-Borrower xxxxxx OFAC search not performed due to mismatch DOB. - Due Diligence Vendor-xxxxxx |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 92 exceed minimum required 2.<br>LTV is less than guideline maximum - - LTV 39.8% is less than guideline maximum 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 1000055551 | xxxxxx D A | Closed | xxxxxx | 2022-11-17 12:03 | 2022-11-23 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 92 exceed minimum required 2.<br>LTV is less than guideline maximum - - LTV 39.8% is less than guideline maximum 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 1000055551 | xxxxxx D A | Closed | xxxxxx | 2022-11-17 12:36 | 2022-11-17 17:41 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved--State filing for DBA provided for xxxxxx with registered DBA of xxxxxx. - Due Diligence Vendor xxxxxx <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. - Note reflect Lender name xxxxxx . However Mortgage reflect lender xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved--State filing for DBA provided for xxxxxx's xxxxxx with registered DBA of xxxxxx's xxxxxx. - Due Diligence Vendor-xxxxxx | Months Reserves exceed minimum required - - Months Reserves 92 exceed minimum required 2.<br>LTV is less than guideline maximum - - LTV 39.8% is less than guideline maximum 70%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 1000055596 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 13:17 | 2022-12-01 15:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Received all sources of short term rental to support rental income used in qualifying DSCR - Due Diligence Vendor-xxxxxx <br>Counter--Rec'd exception approval for borrower's primary rental payment history; nothing rec'd for short term rental history on subject as required by guidelines; Subject property was DSCR qualified using short term rent amount that are not documented. - Due Diligence Vendor-xxxxxx <br>Open--File is missing short term rental history used in qualification; most recent 12 month rental history statement from the 3rd party/management service that was provided needs to include the following: identify property management company, identify subject property address, and identify property management fees. - Due Diligence Vendor-xxxxxx |  | Resolved--Received all sources of short term rental to support rental income used in qualifying DSCR - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 83 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055596 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 13:18 | 2022-11-23 11:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived--Rec'd exception approval in trailing docs. - Due Diligence Vendor-xxxxxx <br>Open- - Due Diligence Vendor-xxxxxx<br>Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) - FTHB is not eligible as a First Time Investor. - Due Diligence Vendor-xxxxxx |  | Waived--Rec'd exception approval in trailing docs. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 83 points above minimum required. | -no comp factors provided. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055596 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 12:42 | 2022-11-23 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx <br>Open-Missing Third Party Fraud Report - All borrowers must be included in the fraud analysis performed by an automated fraud and data check vendor solution - Due Diligence Vendor-xxxxxx |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 83 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055596 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 15:02 | 2022-11-21 12:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Not required DSCR loan - Due Diligence Vendor-xxxxxx<br>Open--The borrower information and employment section of the loan application (i.e., xxxxxx® Form 1003) should be completed. (No proof of borrower income is required.) - Due Diligence Vendor-xxxxxx |  | Resolved-Not required DSCR loan - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 83 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055596 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 12:06 | 2022-11-17 18:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Property is xxxxxx acres and exceeds xxxxxx max for DSCR program; Proeprty zones as xxxxxx. rural also not allowed on DSCER program. Lender exception request and approval in file. Investor waiver applied to non-material finding - Due Diligence Vendor xxxxxx <br> Waived-Property is xxxxxx acres and exceeds xxxxxx max for DSCR program; Lender exception request and approval in file.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Property is xxxxxx acres and exceeds xxxxxx acre max for DSCR program; Proeprty zones as Rural agriculture. rural also not allowed on DSCER program. Lender exception request and approval in file. Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Waived-Property is xxxxxx acres and exceeds xxxxxx for DSCR program; Lender exception request and approval in file.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 83 points above minimum required. | -DSCR 1.29 (actual is 0.30 based on 1007 - short term rental history docs not found)<br> - LTV 75% (this is the max allowed for First Time Investor)<br> - FICO 783<br> - Subject has solid history as short-term rental (seller documentation used to verify is missing) |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055596 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 12:34 | 2022-11-17 17:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Waived-Housing History Does Not Meet Guideline Requirements - A VOR is required for any file where the borrower is currently renting. Borrower is renting from private party and VOR was not obtained - 12 months cancelled checks provided to verify 0x30x12. Lender exception request and approval provided. - Due Diligence Vendor-xxxxxx |  | Waived-Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx <br>Waived-Housing History Does Not Meet Guideline Requirements - A VOR is required for any file where the borrower is currently renting. Borrower is renting from private party and VOR was not obtained - 12 months cancelled checks provided to verify 0x30x12. Lender exception request and approval provided. - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 83 points above minimum required. | -DSCR 1.27 (actual is 0.30 based on 1007 - short term rental history docs not found)<br> - LTV 75% (this is the max allowed for First Time Investor)<br> -7 months reserves (3.12 verified and 2 months required) |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055596 | xxxxxx D B A | Closed | xxxxxx | 2022-11-17 12:05 | 2022-11-17 15:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Extension of COE not provided.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Extension of COE not provided.<br> Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 83 points above minimum required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055644 | xxxxxx D B A | Closed | xxxxxx | 2022-12-10 16:49 | 2022-12-14 15:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved--Received credit report - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br>Open-Borrower 1 Credit Report is Missing. - Provide complete credit report meeting guideline requirement for score, mortgage and delinquent history. - Due Diligence Vendor-xxxxxx |  | Resolved--Received credit report - Due Diligence Vendor-xxxxxx <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 7.19 exceed minimum required 2. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055644 | xxxxxx D B A | Closed | xxxxxx | 2022-12-10 16:49 | 2022-12-14 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received credit report - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx <br>Open-Housing History Does Not Meet Guideline Requirements - Missing Credit report to verify mortgage history and guideline required requirement of 1X30 in the past 12 months for primary residence: xxxxxx <br> Mortgage statement in file reflect on time payment xxxxxx. - Due Diligence Vendor-xxxxxx |  | Resolved--Received credit report - Due Diligence Vendor-xxxxxx <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 7.19 exceed minimum required 2. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055644 | xxxxxx D B A | Closed | xxxxxx | 2022-12-10 17:19 | 2022-12-14 15:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved--Received credit report - Due Diligence Vendor-xxxxxx <br>Resolved-Audited FICO of 710 is greater than or equal to Guideline FICO of 620 - Due Diligence Vendor-xxxxxx<br>Open-Audited FICO of is less than Guideline FICO of 620 - Missing credit report. - Due Diligence Vendor-xxxxxx |  | Resolved--Received credit report - Due Diligence Vendor-xxxxxx <br>Resolved-Audited FICO of 710 is greater than or equal to Guideline FICO of 620 - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 7.19 exceed minimum required 2. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 1000055644 | xxxxxx D B A | Closed | xxxxxx | 2022-12-12 14:57 | 2022-12-12 14:57 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived- Transferred appraisals are not allowed per guideline. Exception in file approved by the Investor. - Due Diligence Vendor-xxxxxx |  | Waived- Transferred appraisals are not allowed per guideline. Exception in file approved by the Investor. - Due Diligence Vendor xxxxxx | Months Reserves exceed minimum required - - Months Reserves 7.19 exceed minimum required 2. | -Reserves 5 months.<br> - Years on job 11.<br> - Low credit utilization. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 1000055644 | xxxxxx D B A | Closed | xxxxxx | 2022-12-10 16:24 | 2022-12-12 13:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Investor waiver applied to non-material finding - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - - Months Reserves 7.19 exceed minimum required 2. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778444 | xxxxxx D B A C | Closed | xxxxxx | 2022-10-21 15:19 | 2022-11-01 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | The Final 1003 is Incomplete | Resolved- - Due Diligence Vendor-xxxxxx <br>Rescinded- - Due Diligence Vendor-xxxxxx <br>Resolved--Received signed 1003 for B2 - Due Diligence Vendor-xxxxxx <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx <br>Rescinded-The Final 1003 is Incomplete - Missing signed 1003 for xxxxxx (final or initial). Required for each entity providing a personal guaranty. - Due Diligence Vendor-xxxxxx |  | Resolved- - Due Diligence Vendor-xxxxxx <br>Resolved--Received signed 1003 for B2 - Due Diligence Vendor-xxxxxx <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-xxxxxx <br>Rescinded-The Final 1003 is Incomplete - Missing signed 1003 for xxxxxx (final or initial). Required for each entity providing a personal guaranty. - Due Diligence Vendor-xxxxxx<br>| Months Reserves exceed minimum required - 108.58 months reserves and 2 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781369 | xxxxxx D A | Closed | xxxxxx | 2022-11-16 20:12 | 2022-11-22 12:56 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. - Due Diligence Vendor-xxxxxx<br>Open-The Calculated DSCR of '0.99' is less than the minimum DSCR per lender guidelines of '1.2'. - Due Diligence Vendor-xxxxxx |  | Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 681 is 21 points higher than required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781369 | xxxxxx D A | Closed | xxxxxx | 2022-11-16 20:00 | 2022-11-22 12:56 | Resolved | 1 - Information B A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 65% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-xxxxxx <br> Resolved-- Resolved, Note/DOT for additional property found in file LTV 65%. - Due Diligence Vendor-xxxxxx <br> Open-Audited LTV of 80.13% exceeds Guideline LTV of 80% - LTV exceed maximum by .13%.<br> - FICO 681 with 660 minimum<br> - Due Diligence Vendor-xxxxxx |  | Resolved-Audited LTV of 65% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-xxxxxx<br> Resolved-- Resolved, Note/DOT for additional property found in file LTV 65%. - Due Diligence Vendor xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 681 is 21 points higher than required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781369 | xxxxxx D A | Closed | xxxxxx | 2022-11-16 20:37 | 2022-11-22 07:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Received Loan release provision and Allocated Loan Amount(s) - Due Diligence Vendor-xxxxxx <br>Open-- Missing Loan release provision and Allocated Loan Amount(s) - Due Diligence Vendor-xxxxxx |  | Resolved--Received Loan release provision and Allocated Loan Amount(s) - Due Diligence Vendor-xxxxxx | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 681 is 21 points higher than required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781369 | xxxxxx D A | Closed | xxxxxx | 2022-11-17 13:45 | 2022-11-17 16:44 | Resolved | 1 - Information D A | Credit | Closing | Note Address Does Not Match Deed of Trust Address | Resolved-Note Address of Multi-Property, Multi-Property, xxxxxx, 00000 Matches Deed of Trust Address of Multi-Property, Multi-Property, xxxxxx, 00000 - Due Diligence Vendor-xxxxxx <br> Rescinded-Note Address of Multi-Property, Multi-Property, xxxxxx, 00000 Does Not Match Deed of Trust Address of xxxxxx - Due Diligence Vendor-xxxxxx |  | Resolved-Note Address of Multi-Property, Multi-Property, xxxxxx, 00000 Matches Deed of Trust Address of Multi-Property, Multi-Property, xxxxxx, 00000 - Due Diligence Vendor-xxxxxx <br>Rescinded-Note Address of Multi-Property, Multi-Property,xxxxxx, 00000 Does Not Match Deed of Trust Address of xxxxxx - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 681 is 21 points higher than required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781432 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 09:43 | 2023-01-24 17:18 | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-BPO provided that supports value - Due Diligence Vendor-xxxxxx<br> - Due Diligence Vendor-xxxxxx <br> Counter--Client response: Client response: SSR is 2.2 and we can use either xxxxxx or xxxxxx. Please clear this condition<br> -(AUDIT RESPONSE) - Both were provided for review, LCA has a score of 4.5 therefore CDA required - Due Diligence Vendor-xxxxxx <br> Open--Missing Desk review. xxxxxx UCDP has a risk score of 4.5 - Due Diligence Vendor-xxxxxx |  |  | Qualifying FICO score is at least 20 points above minimum for program - - Minimum required FICO is 700, borrower mid FICO is 724 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781432 | xxxxxx C B A | Closed | xxxxxx | 2022-11-30 09:14 | 2022-11-30 09:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements - Per Guidelines, Borrowers currently living with family members are not allowed. - Investor exception approval in file - Due Diligence Vendor-xxxxxx |  | Waived-Housing History Does Not Meet Guideline Requirements - Per Guidelines, Borrowers currently living with family members are not allowed. - Investor exception approval in file - Due Diligence Vendor-xxxxxx<br>| Qualifying FICO score is at least 20 points above minimum for program - - Minimum required FICO is 700, borrower mid FICO is 724 | -Reserves exceed requirement by 6 months or more<br> - Credit score is 20 points > minimum required<br> - Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |

---

## Exhibit 99.40

**EXHIBIT 99.40**

**clarifii rating agency grades summary report**

---

| | | |
|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** |
| 772360 | xxxxxx | xxxxxx D A B |
| 774351 | xxxxxx | xxxxxx D A C B |
| 774705 | xxxxxx | xxxxxx D A |
| 775169 | xxxxxx | xxxxxx B A |
| 775948 | xxxxxx | xxxxxx D A B |
| 776656 | xxxxxx | xxxxxx D A B |
| 776721 | xxxxxx | xxxxxx D A B |
| 776766 | xxxxxx | xxxxxx D A B |
| 776769 | xxxxxx | xxxxxx B A |
| 776790 | xxxxxx | xxxxxx D A B |
| 776791 | xxxxxx | xxxxxx D A C B |
| 776795 | xxxxxx | xxxxxx C A B |
| 776799 | xxxxxx | xxxxxx D A B |
| 776802 | xxxxxx | xxxxxx A |
| 776805 | xxxxxx | xxxxxx D A C B |
| 776808 | xxxxxx | xxxxxx C A B |
| 776918 | xxxxxx | xxxxxx C A B |
| 777028 | xxxxxx | xxxxxx A |
| 777051 | xxxxxx | xxxxxx D A B |
| 777108 | xxxxxx | xxxxxx A |
| 777571 | xxxxxx | xxxxxx C A B |
| 777661 | xxxxxx | xxxxxx C A B |
| 777831 | xxxxxx | xxxxxx C A B |
| 778010 | xxxxxx | xxxxxx B A |
| 778270 | xxxxxx | xxxxxx D A B |
| 778278 | xxxxxx | xxxxxx A |
| 778283 | xxxxxx | xxxxxx D A B |
| 778284 | xxxxxx | xxxxxx D A C B |
| 778287 | xxxxxx | xxxxxx C A B |
| 778289 | xxxxxx | xxxxxx C A |
| 778290 | xxxxxx | xxxxxx C A B |
| 778291 | xxxxxx | xxxxxx D A |
| 778292 | xxxxxx | xxxxxx C A |
| 778296 | xxxxxx | xxxxxx D A |
| 778395 | xxxxxx | xxxxxx C A B |
| 778396 | xxxxxx | xxxxxx D A |
| 778482 | xxxxxx | xxxxxx A |
| 778531 | xxxxxx | xxxxxx D A B |
| 778540 | xxxxxx | xxxxxx C A |
| 778541 | xxxxxx | xxxxxx C A |
| 778630 | xxxxxx | xxxxxx A |
| 779220 | xxxxxx | xxxxxx A |
| 779824 | xxxxxx | xxxxxx C A |
| 780095 | xxxxxx | xxxxxx C A |
| 780192 | xxxxxx | xxxxxx C A B |
| 780194 | xxxxxx | xxxxxx A |
| 780212 | xxxxxx | xxxxxx A C |
| 780413 | xxxxxx | xxxxxx D A B |
| 780509 | xxxxxx | xxxxxx B A |
| 780610 | xxxxxx | xxxxxx D A |
| 780616 | xxxxxx | xxxxxx B A |
| 780799 | xxxxxx | xxxxxx C A B |
| 781243 | xxxxxx | xxxxxx B A |
| 781367 | xxxxxx | xxxxxx B A |
| 781368 | xxxxxx | xxxxxx C A B |
| 781369 | xxxxxx | xxxxxx D A |
| 781422 | xxxxxx | xxxxxx C A B |
| 781424 | xxxxxx | xxxxxx C A B |
| 781432 | xxxxxx | xxxxxx B A C |
| 781735 | xxxxxx | xxxxxx D A C |
| 781752 | xxxxxx | xxxxxx A |
| 781809 | xxxxxx | xxxxxx D A |
| 781810 | xxxxxx | xxxxxx D A |
| 782039 | xxxxxx | xxxxxx D A B |
| 775903 | xxxxxx | xxxxxx C A |
| 777446 | xxxxxx | xxxxxx D A |
| 778430 | xxxxxx | xxxxxx C A B |
| 778225 | xxxxxx | xxxxxx D A |
| 778032 | xxxxxx | xxxxxx D A |
| 778444 | xxxxxx | xxxxxx D A C B |
| 779472 | xxxxxx | xxxxxx D A B |
| 779462 | xxxxxx | xxxxxx D A |
| 779249 | xxxxxx | xxxxxx C A B |
| 779600 | xxxxxx | xxxxxx B A |
| 1000055551 | xxxxxx | xxxxxx D A |
| 1000055596 | xxxxxx | xxxxxx D A B |
| 1000055644 | xxxxxx | xxxxxx D A B |
| 775882 | xxxxxx | xxxxxx D A B |
| 775709 | xxxxxx | xxxxxx C A B |
| 777089 | xxxxxx | xxxxxx D A |
| 777105 | xxxxxx | xxxxxx D A |
| 777393 | xxxxxx | xxxxxx B A |
| 780501 | xxxxxx | xxxxxx A |
| 780129 | xxxxxx | xxxxxx C A B |
| 781292 | xxxxxx | xxxxxx D A |

---

## Exhibit 99.41

**EXHIBIT 99.41**

**clarifii data compare report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 772360 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Both properties are SFR detached. |
| 772360 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | 2 properties included on loan. |
| 774351 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 71.47 | 70.00 | File included two appraisals with the lower of the two used. |
| 774351 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 4 | Only 1 unit per appraisal. |
| 774351 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 71.47 | 70.00 | File included two appraisals with the lower of the two used. |
| 775169 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title and Appraisal subject is located in a PUD |
| 775169 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.99 | 8.0000 | Per executed note in file interest rate is 7.99% |
| 775709 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Mtg show different MIN than tape |
| 775882 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 686 | 678 | Per CR qualifying score 686. |
| 775882 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | DOT xxxxxx does not match Tape. |
| 775882 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | finalCdDetailPage | 126798.78 | 160000.00 | Per CD cash to borrower $126,798.78. |
| 775903 | xxxxxx | xxxxxx | Reviewed Total Housing Expense PITIA | diligenceFinalLookPage | 5309.37 | $4917.94 | Audit calculation is $5309.37, no comparison docs in file, unable to determine discrepancy |
| 775903 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | PPP addendum in file. |
| 775903 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 5 | 4 | Appraisal Narrative report confirms 5-unit property |
| 775903 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | 4 Units | Per appraisal 5 unit property. |
| 776721 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 4 | Appraisal reflect number of units 3. |
| 776766 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | Verified with appraisal. This is a two unit. |
| 776769 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title and Appraisal subject is located in a PUD |
| 776791 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | Per Appraisal 2 units. |
| 776795 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 75 | 73.77 | Tape Data is based on appraisal value. True Data is based on purchase price |
| 776795 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 75 | 73.77 | Tape Data is based on appraisal value. True Data is based on purchase price |
| 776795 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Tape Data is based on appraisal value. True Data is based on purchase price |
| 776799 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title and Appraisal subject property is in a PUD |
| 776799 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 72.36 | 72.29 | Tape Data based on appraisal value. True Data based on purchase price. |
| 776799 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Tape Data based on appraisal value. True Data based on purchase price. |
| 776799 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 72.36 | 72.29 | Tape Data based on appraisal value. True Data based on purchase price. |
| 776802 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 32 | 30.77 | CLTV based on sales price of $xxxxxx |
| 776802 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Sales price $xxxxxx per contract and CD ; Appraised value $xxxxxx |
| 776802 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 32 | 30.77 | LTV based on sales price of $xxxxxx |
| 776802 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 723 | 814 | per credit reports; matches 1008 - lowest mid score of both borrowers |
| 776805 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | Verified with appraisal |
| 776805 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 761 | 776 | Verified with credit report |
| 776918 | xxxxxx | xxxxxx | QM Qualifying Amortization | notePage | 240 | 360 | Per Note I/O 120 months and 360 fully amortized term. |
| 776918 | xxxxxx | xxxxxx | Sales Price | the1008Page | 0 | xxxxxx | Property is a refinance |
| 777051 | xxxxxx | xxxxxx | Loan Amount/Draw Amount | notePage | xxxxxx | xxxxxx | Audit Data from executed note in file Loan Amount $xxxxxx. |
| 777051 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 66.12 | 70.00 | Tape Data CLTV is based on loan amount of $xxxxxx. Audit CLTV is note amount of $xxxxxx. |
| 777051 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 66.12 | 70.00 | Tape Data LTV is based on loan amount of $xxxxxx. Audit LTV is note amount of $xxxxxx. |
| 777089 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | per DOT |
| 777089 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | DSCR per 1008 an Approval |
| 777089 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | finalCdDetailPage | 183570.01 | 227000.00 | Per Final CD |
| 777105 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | finalCdDetailPage | 109392.25 | 175000.00 | Per CD cash to borrower $109,392.25. |
| 777108 | xxxxxx | xxxxxx | Qualifying Amortization Term | notePage | 0 | 360 | Amortization is 360 with 120 I/O term and 240 fully indexed term |
| 777108 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7 | Lifetime cap is 5% + initial rate 7.875% or 12.875% |
| 777108 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2 | Per the note the margin is 6.5% |
| 777393 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | True data value is Min # from Deed of Trust. |
| 777446 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | PPP addendum in file |
| 778010 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | Verified per note |
| 778010 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Verified per Note |
| 778032 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | PUD | Per Appraisal and title SFR. |
| 778032 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per PPP rider/Note |
| 778225 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Verified with the note |
| 778283 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note 1st payment date is xxxxxx. |
| 778283 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per note maturity date xxxxxx |
| 778283 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Purchase agreement shows sales price of $xxxxxx. Tape Data is appraisal value. |
| 778283 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 80 | 76.30 | Audit Data based on sales price of $xxxxxx and loan amount of $xxxxxx, LTV is 80%. Tape Data base on appraisal value $xxxxxx. |
| 778283 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 80 | 76.30 | Audit Data based on sales price of $xxxxxx and loan amount of $xxxxxx, CLTV is 80%. Tape Data base on appraisal value $xxxxxx. |
| 778284 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per note maturity date is xxxxxx |
| 778284 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note first payment date is xxxxxx. |
| 778284 | xxxxxx | xxxxxx | Qualifying FICO | the1008Page | 0 | 680 | Borrower has no social security number and no credit history or credit score. |
| 778287 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | $xxxxxx is purchase price and $xxxxxx appraised value. |
| 778287 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 766 | 769 | 766 is from the 02/13/2022 report. Additional report in file with the higher value. |
| 778289 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | xxxxxx 2022 per note. |
| 778289 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | xxxxxx per note and mortgage. |
| 778289 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Townhouse | Appraisal notes SFR attached with row design. |
| 778291 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note first payment date is xxxxxx. |
| 778291 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per note maturity date is xxxxxx |
| 778291 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 0.00 | Per prepay rider term is 36 months. |
| 778292 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | Verified with appraisal |
| 778292 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified with the appraisal |
| 778292 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Maturity date per Note is xxxxxx |
| 778292 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Verified with the note |
| 778395 | xxxxxx | xxxxxx | Loan Amount/Draw Amount | notePage | xxxxxx | xxxxxx | Per Note and CD loan amount $xxxxxx |
| 778395 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 75 | 74.87 | loan xxxxxx/xxxxxx = 75.00 |
| 778395 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 75 | 74.87 | loan xxxxxx/xxxxxx = 75.00 |
| 778430 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per Note |
| 778444 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Prepay per note, addendum and prepay Rider. |
| 778482 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 8 | 5 | Verified with the appraisal subject is an 8 unit property |
| 778482 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Audit Data is appraisal value and Tape Data is purchase price |
| 778531 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Verified with1004 |
| 778531 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 75 | 70.99 | Calculated LTV using sale price is 75%. Tape calculation uses the higher sale price. |
| 778531 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 75 | 70.99 | Calculated LTV using sale price is 75%. Tape calculation uses the higher sale price. |
| 778531 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Verified with contract, appraisal and CD |
| 778540 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | same location; xxxxxx per Note and all property docs. |
| 778540 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 778540 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 778540 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | per Note |
| 778540 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | per Note |
| 778540 | xxxxxx | xxxxxx | Primary Appraised Property Value | diligenceFinalLookPage | xxxxxx | xxxxxx | appraised value vs. purchase price |
| 778541 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 778541 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | same area; xxxxxx per Note and collateral docs |
| 778541 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 778541 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | per Note |
| 778541 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | per Note |
| 778541 | xxxxxx | xxxxxx | Primary Appraised Property Value | diligenceFinalLookPage | xxxxxx | xxxxxx | appraised value vs. sales price |
| 778630 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note first payment date xxxxxx |
| 778630 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per note margin is 6.5% |
| 779249 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Prepayment penalty per Note and CD. |
| 779462 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Verified 36 month 2% PPP per rider |
| 779472 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per Note prepayment penalty. |
| 779600 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Document | Loan is xxxxxx – DSCR |
| 779600 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Pre payment per Note Addendum and Mortgage Rider. |
| 779824 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Final sales price per addendum $xxxxxx. Tape Data is appraisal value. |
| 779824 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 67.47 | 60.73 | Loan amt $xxxxxx/PP $xxxxxx=67.47% CLTV. Tape Data is appraisal value. |
| 779824 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 67.47 | 60.73 | Loan amt $xxxxxx/PP $xxxxxx=67.47% LTV. Tape Data is appraisal value. |
| 780095 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 780095 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 780095 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | per Note |
| 780095 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | per Note |
| 780192 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 780194 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Margin is 6.5% per Note |
| 780194 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | Lifetime Rate Cap Maximum is 5% per Note |
| 780194 | xxxxxx | xxxxxx | Primary Appraised Property Value | diligenceFinalLookPage | xxxxxx | xxxxxx | per appraisal |
| 780413 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal property is in a PUD. |
| 780413 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 70 | 67.20 | Loan amt $xxxxxx/sales price $xxxxxx=70% |
| 780413 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 70 | 67.20 | Loan amt $xxxxxx/sales price $xxxxxx=70% |
| 780413 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | PP is $xxxxxx: and Appraised Value is $xxxxxxk |
| 780509 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | per Note |
| 780509 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | per Note |
| 780509 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 779 | 780 | Lowest mid score for B1 is 779; Lowest mid score for B2 is 780; qualified with lowest mid score of both borrowers |
| 780509 | xxxxxx | xxxxxx | Primary Appraised Property Value | diligenceFinalLookPage | xxxxxx | xxxxxx | Appraised value $xxxxxxk vs. Sales Price $xxxxxxK |
| 780610 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 64.04 | 35.62 | LTV 35.625 or 35.63% = Loan amount $xxxxxx/Appraised value xxxxxx. LTV 64.04 based on L/A $xxxxxx/ original purchase price $xxxxxx. Appraisal reflect completely renovated property but did not close cost of improvements. |
| 780610 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 64.04 | 35.62 | LTV 35.625 or 35.63% = Loan amount $xxxxxx/Appraised value xxxxxx. LTV 64.04 based on L/A $xxxxxx/ original purchase price $xxxxxx. Appraisal reflect completely renovated property but did not close cost of improvements. |
| 780616 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject property is located in a PUD per Appraisal and Title. |
| 781292 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per appraisal and title. |
| 781369 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Audit data from Note file for signing borrower. Tape Data is Non-borrowing guarantor |
| 781369 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 681 | 724 | Audit Data is from signing borrower credit dated 8/4/22. Tape Data is from Non-borrowing guarantor credit dated 8/4/22. |
| 781422 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 781422 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | per Note |
| 781422 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | per Note |
| 781424 | xxxxxx | xxxxxx | Loan Amount/Draw Amount | notePage | xxxxxx | xxxxxx | per Note loan amount is $xxxxxx |
| 781424 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 781424 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | Per Note |
| 781424 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 781424 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 70 | 65.00 | Loan amount $xxxxxx/$xxxxxx appraised value = 70% LTV/CLTV |
| 781424 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 70 | 65.00 | Loan amount $xxxxxx/$xxxxxx appraised value = 70% LTV/CLTV |
| 781432 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note, first payment date is xxxxxx |
| 781432 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note, Margin is 6.50% |
| 781432 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | per note |
| 781735 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 4 | -3 units per appraisal. |
| 781735 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 75 | 63.00 | LTV 75% based on loan amt $xxxxxx/sales price $xxxxxx |
| 781735 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 75 | 63.00 | CLTV 75% based on loan amt $xxxxxx/sales price $xxxxxx |
| 781735 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Sales price $xxxxxx per contract. |
| 781752 | xxxxxx | xxxxxx | Loan Amount/Draw Amount | notePage | xxxxxx | xxxxxx | Per note loan amount is $xxxxxx |
| 781752 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Verified per note |
| 781752 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 42.3 | 41.55 | Tape Data is based on loan amount of $xxxxxx. Audit Data is based on loan amount of $xxxxxx. Divided by appraisal value $xxxxxx |
| 781752 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 42.3 | 41.55 | Tape Data is based on loan amount of $xxxxxx. Audit Data is based on loan amount of $xxxxxx. Divided by appraisal value $xxxxxx |
| 781809 | xxxxxx | xxxxxx | Interest Only Flag | notePage | false | TRUE | Terms of Note: Monthly payment amount $889.69 effective till maturity date, xxxxxx is fully amortizing payment and not an I/O payment |
| 782039 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Subject is a Condo |
| 1000055551 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note address xxxxxx. |
| 1000055551 | xxxxxx | xxxxxx | Borrower 2 SSN | the1003Page | xxxxxx | xxxxxx | Per 1003 B2 SSN xxxxxx. |
| 1000055551 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Borrower SSN xxxxxx |
| 1000055551 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.06 | 1.05 | DSCR 1.055%, rounding to 1.06. 4074.55 PITI w 4300.00 in rental |
| 1000055596 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.25 | 1.16 | Audit Data based on 1007 annual rents. Missing short term rental history documentation from seller |
| 1000055644 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | True data reflect Borrower SSN . Tape data reflect LLC EIN number. |

---

## Exhibit 99.42

**EXHIBIT 99.42**

**clarifii atr qm report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 772360 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 774351 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 774705 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 775169 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 775709 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 775882 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 775903 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 775948 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |
| 776656 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 776721 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 776766 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 776769 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 776790 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 776791 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 776795 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 776799 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 776802 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 776805 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 776808 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 776918 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |
| 777028 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 777051 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 777089 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 777105 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 777108 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 777393 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 777446 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 777571 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 777661 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 777831 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | N/A |
| 778010 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 778032 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 778225 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 778270 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 778278 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 778283 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 778284 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 778287 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 778289 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 778290 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 778291 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 778292 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 778296 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 778395 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 778396 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 778430 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 778444 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 778482 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 778531 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 778540 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |
| 778541 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |
| 778630 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 779220 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 779249 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 779462 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 779472 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |
| 779600 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 779824 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 780095 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |
| 780129 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 780192 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |
| 780194 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 780212 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 780413 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 780501 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 780509 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 780610 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 780616 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 780799 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 781243 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |
| 781292 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 781367 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 781368 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 781369 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 781422 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 781424 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 781432 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 781735 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 781752 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 781809 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | FALSE | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 781810 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 782039 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 1000055551 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | TRUE | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| 1000055596 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| 1000055644 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |

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## Exhibit 99.43

**EXHIBIT 99.43**

**clarifii valuation report**

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| **Loan ID** | **Borrower Name** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **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 Vendor** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 774351 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |  |  |
| 775169 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 07-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |  |  |
| 772360 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | MP |  |  |  |  |  |  |  |  |  |  |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775903 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .189 | Clear Capital xxxxxx | 06-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776656 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 03-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776721 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 05-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776766 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Red Bell | Excellent | 06-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776769 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776790 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Red Bell | Excellent | 02-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |  |  |
| 776791 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Excellent | 01-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776795 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 776799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 776802 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.023 | Red Bell | Reasonable | 05-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |  |
| 776805 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.012 | Red Bell | Reasonable | 05-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776808 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Red Bell | Excellent | 03-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 775948 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.060 | Clear Capital | Moderate Risk | 08-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777105 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Low Risk | 08-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |
| 777446 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Low | 07-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775709 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Low | 08-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| 775882 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Low Risk | 07-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777089 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Moderate | 08-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777831 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Moderate | 06-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| 777028 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 08-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 774705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 07-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777393 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 09-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |  |  |
| 776918 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 08-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778270 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |  |  |
| 778278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.022 | Pro Teck | Reasonable | 03-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | Not Eligible |  |  |
| 778283 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Pro Teck | Reasonable | 04-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 778284 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-09-2021 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Pro Teck | Reasonable | 11-09-2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |  |
| 778287 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Pro Teck | Reasonable | 03-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 778289 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Pro Teck | Reasonable | 02-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |  |  |
| 778290 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.027 | Pro Teck | Reasonable | 06-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778291 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Pro teck | Reasonable | 06-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 778292 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 06-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Pro Teck | Reasonable | 06-15-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778296 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Pro Teck | Reasonable | 02-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778531 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Pro Teck | Reasonable | 06-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 777051 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | MP |  |  |  |  |  |  |  |  |  |  |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778430 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 09-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777571 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 08-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |  |  |
| 778225 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.097 | Clear Capital | Moderate | 09-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777108 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Moderate | 08-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |  |  |
| 778032 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Low Risk | 09-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778395 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Moderate Risk | 09-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 779220 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Moderate Risk | 09-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 777661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Moderate Risk | 09-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778444 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Moderate | 09-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778482 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.020 | Clear Capital | 09-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780212 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |  |  |
| 778630 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Low risk | 09-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 779249 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 10-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780129 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low risk | 10-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 779472 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low Risk | 10-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 779462 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.096 | Clear Capital | Moderate | 10-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780413 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778396 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | MP |  |  |  |  |  |  |  |  |  |  |  |  | MP | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781367 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Low | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781368 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 10-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781369 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | MP |  |  |  |  |  |  |  |  |  |  |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1000055551 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 09-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1000055596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 10-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780194 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 11-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781292 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 11-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |
| 780501 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781243 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate risk | 11-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780192 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 10-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780616 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | ProTeck | Reasonable | 11-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |  |  |
| 781735 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.160 | Pro Teck | Reasonable | 12-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781809 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Moderate risk | 08-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781810 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Clear Capital | Moderate risk | 08-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 779824 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .000 | Pro Teck | Reasonable | 12-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |  |  |
| 780095 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781422 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |  |  |
| 781424 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 12-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |  |  |
| 781432 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .021 | ClearCapital | 01-23-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  | 2.2 |  |
| 780610 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.062 | Clear Capital | Moderate Risk | 11-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |
| 778540 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 778541 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 780509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 779600 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Low | 11-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778010 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate | 09-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782039 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Pro Teck | Reasonable | 11-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 780799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .000 | Clear Capital | Moderate Risk | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1000055644 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.096 | Clear Capital | Moderate Risk | 11-29-222 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781752 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |

---

## Exhibit 99.44

**EXHIBIT 99.44**

**CONSOLIDATED ANALYTICS, INC. ("CONSOLIDATED ANALYTICS") DUE DILIGENCE EXECUTIVE SUMMARY**

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

**Overview**

Consolidated Analytics, Inc. ("Consolidated Analytics") performed certain due diligence services (the "Review") described below on 29 mortgage loans acquired by VMC Asset Pooler, LLC, through a bulk purchase. The Review was conducted from August 2021 through July 2022 on mortgage loans originated between July 2021 and July 2022.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

○ **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements and contains clearance by The Office of Foreign Assets Control;

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

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

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

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

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

Page **1** of **9**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Page **2** of **9**

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

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

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

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

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

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

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

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

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

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

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

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

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

Page **3** of **9**

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to investment property loans and cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. If applicable, the Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Page **4** of **9**

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (29 loans in total):

Zero (0) loans had a Secondary Appraisal, zero (0) loans had an automated valuation model ("AVM"), and twenty-eight (28) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Client.

If a loan with an "AVM" or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion ("BPO") along with a Reconciliation of the values or a Second Appraisal was completed. There was one (1) occurrence of this.

Zero (0) loans had a Field Review or BPO, and one (1) loan had an Exterior Only Appraisal Review all of which supported the original value.

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

Page **5** of **9**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the twenty-nine (29) loans reviewed, eight (8) unique loans (27.59% by loan count) had a total of ten (10) tape discrepancies across four (4) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;5 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;30.00% |
| &nbsp;&nbsp;Prepayment Penalty Indicator | &nbsp;&nbsp;1 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;Number Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

After giving consideration to the grading criteria, 17.24% of the loans received an overall "B" grade and 82.76% of the loans received an overall "A" grade.

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 24 | $7000806.00 | 82.76% |
| Event Grade B | 5 | $905800.00 | 17.24% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 29 | $7906606.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 24 | 82.76% |
| Event Grade B | 5 | 17.24% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 29 | 100.00% |

---

Page **6** of **9**

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 15 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 15 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 15 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 14 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 14 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 29 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 29 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Assets | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Note | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Liquidity | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Operating Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Mortgage History | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Transmittal Summary is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;1 |

---

Page **7** of **9**

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Missing EIN | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***35*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Percentage of Party Contributions | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting LTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Cash to Borrower Exceeds Maximum Allowable | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***14*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

Page **8** of **9**

---

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

---

---

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

---

Page **9** of **9**

## Exhibit 99.45

**EXHIBIT 99.45**

**CONSOLIDATED ANALYTICS EXCEPTION GRADES REPORT**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Verus Loan Number** | **Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 770432 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 19.88 months or $76080.75 are greater than the Guideline Minimum of 6.00 or $22957.89. ; Borrower has more than 2 years at current residence - Borrower at current residence 16.42 years A |
| 770432 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 19.88 months or $76080.75 are greater than the Guideline Minimum of 6.00 or $22957.89. ; Borrower has more than 2 years at current residence - Borrower at current residence 16.42 years A |
| 772737 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 738 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 82.16 months or $199888.85 are greater than the Guideline Minimum of 2.00 or $4865.60. ; Borrower 1 has significant job time - Borrower has 21.42 years on job ; Borrower has more than 2 years at current residence - Borrower at current residence 15.33 years ; Borrower has stable job time - Borrower has 21.42 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years A |
| 772737 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 738 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 82.16 months or $199888.85 are greater than the Guideline Minimum of 2.00 or $4865.60. ; Borrower 1 has significant job time - Borrower has 21.42 years on job ; Borrower has more than 2 years at current residence - Borrower at current residence 15.33 years ; Borrower has stable job time - Borrower has 21.42 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years A |
| 772626 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33 is less than Guideline LTV of 70.00. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of 70.00. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is Greater than the Guideline Minimum of 700. ; Borrower 1 has significant job time - Borrower has 21.00 years on job ; Borrower has more than 2 years at current residence - Borrower at current residence 21.67 years ; Borrower has stable job time - Borrower has 21.00 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years A |
| 772626 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33 is less than Guideline LTV of 70.00. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of 70.00. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is Greater than the Guideline Minimum of 700. ; Borrower 1 has significant job time - Borrower has 21.00 years on job ; Borrower has more than 2 years at current residence - Borrower at current residence 21.67 years ; Borrower has stable job time - Borrower has 21.00 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years A |
| 772789 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 32.36 months or $120771.84 are greater than the Guideline Minimum of 12.00 or $44779.12. ; Borrower 1 has significant job time - Borrower has 5.08 years on job ; Borrower has stable job time - Borrower has 5.08 years at job. A |
| 772789 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 32.36 months or $120771.84 are greater than the Guideline Minimum of 12.00 or $44779.12. ; Borrower 1 has significant job time - Borrower has 5.08 years on job ; Borrower has stable job time - Borrower has 5.08 years at job. A |
| 772542 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 745 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 145.22 months or $442838.84 are greater than the Guideline Minimum of 2.00 or $6098.79. ; Borrower 1 has significant job time - Borrower has 5.16 years on job ; Borrower has stable job time - Borrower has 5.00 years at job. D A |
| 772542 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | Transmittal Summary is Partial | Cash out letter in file states Cash out is being used to purchase another Investment property however 1008 states cash out is for Home Improvements ; The transmittal summary is Partial |  |  | The transmittal summary is Provided | xxxxxx | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 745 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 145.22 months or $442838.84 are greater than the Guideline Minimum of 2.00 or $6098.79. ; Borrower 1 has significant job time - Borrower has 5.16 years on job ; Borrower has stable job time - Borrower has 5.00 years at job. D A |
| 772798 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Acknowledged | Credit | Cash to Borrower Exceeds Maximum Allowable | Cash to borrower exceeds maximum allowable. XXXXXX maximum amount to borrower is: ; Change severity of 'Cash to Borrower Exceeds Maximum Allowable' from Material to Non-Material.; Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client.<br> Approved Exception for first time investor doing a cash out refinance on a free and clear property less than 12M seasoning.xxxxxx xxxxxx xxxxxx xxxxxx xxxxxx xxxxxx |  |  | Client Approved Exception for first time investor doing a cash out refinance on a free and clear property less than 12M seasoning. xxxxxx xxxxxx xxxxxx xxxxxx xxxxxx xxxxxx. | xxxxxx | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.69 is less than Guideline LTV of 75.00. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of 75.00. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 733 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 169.91 months or $407984.33 are greater than the Guideline Minimum of 2.00 or $4802.40. A |
| 772798 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.69 is less than Guideline LTV of 75.00. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of 75.00. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 733 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 169.91 months or $407984.33 are greater than the Guideline Minimum of 2.00 or $4802.40. A |
| 772781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.65 is less than Guideline LTV of 75.00. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of 80.00. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 137.35 months or $317108.58 are greater than the Guideline Minimum of 2.00 or $4617.64. ; Borrower 1 has significant job time - Borrower has 20.17 years on job ; Borrower has stable job time - Borrower has 20.17 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years A |
| 772781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet xxxxxx.; xxxxxx DSCR xxxxxx require 12M Housing History, Credit supplement in file reflects current housing of 9 months, Prior to that the xxxxxx rented for 2 months, No VOR or proof of prior housing found in file. |  |  | Housing delinquency meets guidelines. | xxxxxx | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.65 is less than Guideline LTV of 75.00. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of 80.00. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 137.35 months or $317108.58 are greater than the Guideline Minimum of 2.00 or $4617.64. ; Borrower 1 has significant job time - Borrower has 20.17 years on job ; Borrower has stable job time - Borrower has 20.17 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years A |
| 772405 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 34.32 months or $172826.44 are greater than the Guideline Minimum of 2.00 or $10072.78. ; Borrower 1 has significant job time - Borrower has 10.08 years on job ; Borrower has more than 2 years at current residence - Borrower at current residence 5.00 years ; Borrower has stable job time - Borrower has 10.00 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years A |
| 772405 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 750 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 34.32 months or $172826.44 are greater than the Guideline Minimum of 2.00 or $10072.78. ; Borrower 1 has significant job time - Borrower has 10.08 years on job ; Borrower has more than 2 years at current residence - Borrower at current residence 5.00 years ; Borrower has stable job time - Borrower has 10.00 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years A |
| 772544 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 120.62 months or $345984.75 are greater than the Guideline Minimum of 2.00 or $5736.73. ; Borrower has more than 2 years at current residence - Borrower at current residence 1010.50 years A |
| 772544 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 120.62 months or $345984.75 are greater than the Guideline Minimum of 2.00 or $5736.73. ; Borrower has more than 2 years at current residence - Borrower at current residence 1010.50 years A |
| 771794 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Change severity of 'Underwriting LTV exceeds xxxxxx Maximum Allowable' from Material to Non-Material.; Change status of 'Underwriting LTV exceeds xxxxxx Maximum Allowable' from Active to Acknowledged by Client.<br> Approved exception for LTV exceeding Max allowable of 756% for short term rental income. xxxxxx xxxxxxx: xxxxxx xxxxxx xxxxxx xxxxxx xxxxxx. LTV of 80.00 is greater than the maximum allowable guideline LTV of 75.00 based on a loan amount of xxxxxx and value used for LTV of xxxxxx. |  |  | Client Approved Exception for LTV | xxxxxx | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 54.09 months or $167824.95 are greater than the Guideline Minimum of 2.00 or $6204.83. D B A |
| 771794 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 54.09 months or $167824.95 are greater than the Guideline Minimum of 2.00 or $6204.83. D B A |
| 771794 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | Final Loan Application is Partial | Final 1003 reflects Owned for Prior residence of "xxxxxx" however Consumer Explanation Summary, Borrower states they rented "xxxxxx" from 2020-2022. ; Final Loan Application is Partial |  |  | Final Loan Application is Provided | xxxxxx | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 54.09 months or $167824.95 are greater than the Guideline Minimum of 2.00 or $6204.83. D B A |
| 771794 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | Housing history does not meet guidelines | Please provide 12 Month Housing History per Guidelines, Borrower purchased primary residence three months ago. |  |  | Housing delinquency meets guidelines. | xxxxxx | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 54.09 months or $167824.95 are greater than the Guideline Minimum of 2.00 or $6204.83. D B A |
| 770441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 773 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 105.20 months or $397288.96 are greater than the Guideline Minimum of 2.00 or $7553.00. ; Borrower has more than 2 years at current residence - Borrower at current residence 23.17 years A |
| 770441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 773 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 105.20 months or $397288.96 are greater than the Guideline Minimum of 2.00 or $7553.00. ; Borrower has more than 2 years at current residence - Borrower at current residence 23.17 years A |
| 768698 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.38 is less than Guideline LTV of 80.00. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.38 is less than Guideline CLTV of 80.00. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 695 is Greater than the Guideline Minimum of 680. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 18.42 months or $110269.90 are greater than the Guideline Minimum of 2.00 or $11974.34. A |
| 768698 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.38 is less than Guideline LTV of 80.00. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.38 is less than Guideline CLTV of 80.00. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 695 is Greater than the Guideline Minimum of 680. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 18.42 months or $110269.90 are greater than the Guideline Minimum of 2.00 or $11974.34. A |
| 769120 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 498.21 months or $1529374.48 are greater than the Guideline Minimum of 2.00 or $6139.48. ; Borrower 1 has significant job time - Borrower has 17.25 years on job ; Borrower has stable job time - Borrower has 17.25 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years A |
| 769120 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is Greater than the Guideline Minimum of 700. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of 498.21 months or $1529374.48 are greater than the Guideline Minimum of 2.00 or $6139.48. ; Borrower 1 has significant job time - Borrower has 17.25 years on job ; Borrower has stable job time - Borrower has 17.25 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years A |
| 768509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A |
| 768509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | Closed | xxxxxx | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is Greater than the Guideline Minimum of 700. ; Borrower 1 has significant job time - Borrower has 25.25 years on job ; Borrower has stable job time - Borrower has 25.25 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years A |

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| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller ID** | **Verus ID** | **Finding ID** | **Deal Specific Name** | **Last Name** | **Loan Purpose** | **Occupancy** | **Note Date** | **State** | **Original Loan Amount** | **Loan Status** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception Status** | **Exception Status Change Date** | **Exception Information** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Compensating Factors** | **Statute of Limitations Date** | **Assigned To** | **Status Comment** |
| xxxxxx | 753093 | xxxxxx | xxxxxx | xxxxxx | 4-Refi No Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Missing EIN | Clear | xxxxxx A | Missing evidence of EIN for entity: xxxxxx | Uploaded | xxxxxx |  |  | Complete |  |
| xxxxxx | 753093 | xxxxxx | xxxxxx | xxxxxx | 4-Refi No Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Note | Clear | xxxxxx A | Note reflects an incorrect maturity date of xxxxxx effectively making the loan a 1 month term loan. | Uploaded | xxxxxx |  |  | Complete |  |
| xxxxxx | 756560 | xxxxxx | xxxxxx | xxxxxx | 3-Refi Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Missing Assets | Clear | xxxxxx A | Missing copy of two months bank statements | Proof of assets not required on cash out refinances that cover P & I reserve requirements | xxxxxx |  |  | Complete |  |
| xxxxxx | 753097 | xxxxxx | xxxxxx | xxxxxx | 3-Refi Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Missing Assets | Clear | xxxxxx A | Missing copy of two months bank statements | Bank Stmts not needed, proof of funds/assets from HUD-1 $8,149.82 | xxxxxx |  |  | Complete |  |
| xxxxxx | 753097 | xxxxxx | xxxxxx | xxxxxx | 3-Refi Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Missing Operating Agreement | Clear | xxxxxx A | Missing copy of operating agreement for entity: xxxxxx | Uploaded | xxxxxx |  |  | Complete |  |
| xxxxxx | 753097 | xxxxxx | xxxxxx | xxxxxx | 3-Refi Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Note | Clear | xxxxxx A | Note reflects an incorrect maturity date of xxxxxx effectively making the loan a 1 month term loan. | Uploaded | xxxxxx |  |  | Complete |  |
| xxxxxx | 753097 | xxxxxx | xxxxxx | xxxxxx | 3-Refi Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Insufficient Liquidity | Clear | xxxxxx A | Insufficient assets provided to cover closing costs and liquidity requirements. $0 verified. Additional $856.61 required to cover cash to close and 3 months PITIA reserves requirements as per xxxxxx. | Bank Stmts not needed, proof of funds/assets from HUD-1 $8,149.82 | xxxxxx |  |  | Complete |  |
| xxxxxx | 756551 | xxxxxx | xxxxxx | xxxxxx | 7-Purchase | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Percentage of Party Contributions | Waived | xxxxxx B | Party contributions may not exceed 3% of sales price for property: [ADDRESS] according to xxxxxx | Preapproved Exception | xxxxxx | 794 Credit Score<br> 1.90 DSCR |  | Complete | xxxxxx: Exception waiver in file. CF received. Final rating to maintain "B" |
| xxxxxx | 756552 | xxxxxx | xxxxxx | xxxxxx | 7-Purchase | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Percentage of Party Contributions | Waived | xxxxxx B | Party contributions may not exceed 3% of sales price for property: [ADDRESS] according to xxxxxx | Preapproved Exception | xxxxxx | 794 Credit Score<br> 1.28 DSCR |  | Complete | xxxxxx: Exception waiver in file. CF received. Final rating to maintain "B" |
| xxxxxx | 756550 | xxxxxx | xxxxxx | xxxxxx | 7-Purchase | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Percentage of Party Contributions | Waived | xxxxxx B | Party contributions may not exceed 3% of sales price for property: [ADDRESS] according to xxxxxx | Preapproved Exception | xxxxxx | 794 Credit Score<br> 1.57 DSCR |  | Complete | xxxxxx: Exception waiver in file. CF received. Final rating to maintain "B" |
| xxxxxx | 756559 | xxxxxx | xxxxxx | xxxxxx | 3-Refi Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Missing Assets | Clear | xxxxxx A | Missing copy of two months bank statements | Proof of assets not required on cash out refinances that cover P & I reserve requirements | xxxxxx |  |  | Complete |  |
| xxxxxx | 753050 | xxxxxx | xxxxxx | xxxxxx | 3-Refi Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Missing Assets | Clear | xxxxxx A | Missing copy of two months bank statements | Proof of assets not required on cash out refinances that cover P & I reserve requirements | xxxxxx |  |  | Complete |  |
| xxxxxx | 753098 | xxxxxx | xxxxxx | xxxxxx | 3-Refi Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Missing Assets | Clear | xxxxxx A | Missing copy of two months bank statements | Proof of assets not required on cash out refinances that cover P & I reserve requirements | xxxxxx |  |  | Complete |  |
| xxxxxx | 753098 | xxxxxx | xxxxxx | xxxxxx | 3-Refi Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Note | Clear | xxxxxx A | Note reflects an incorrect maturity date of xxxxxx effectively making the loan a 1 month term loan. | Uploaded | xxxxxx |  |  | Complete |  |
| xxxxxx | 756558 | xxxxxx | xxxxxx | xxxxxx | 4-Refi No Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Mortgage History | Clear | xxxxxx A | Verification of Mortgage in file appears to indicate prior mortgage was late as recently as xxxxxx. xxxxxx require no mortgage lates in the 12 months prior to closing. | Uploaded | xxxxxx |  |  | Complete |  |
| xxxxxx | 756557 | xxxxxx | xxxxxx | xxxxxx | 3-Refi Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Missing Assets | Clear | xxxxxx A | Missing copy of two months bank statements | Proof of assets not required on cash out refinances that cover P & I reserve requirements | xxxxxx |  |  | Complete |  |
| xxxxxx | 753094 | xxxxxx | xxxxxx | xxxxxx | 4-Refi No Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Missing Assets | Clear | xxxxxx A | Missing copy of two months bank statements | xxxxxx: Received | xxxxxx |  |  | Complete |  |
| xxxxxx | 753094 | xxxxxx | xxxxxx | xxxxxx | 4-Refi No Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Note | Clear | xxxxxx A | Note reflects an incorrect maturity date of xxxxxx effectively making the loan a 1 month term loan. | xxxxxx: Received | xxxxxx |  |  | Complete |  |
| xxxxxx | 753094 | xxxxxx | xxxxxx | xxxxxx | 4-Refi No Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Insufficient Liquidity | Clear | xxxxxx A | Insufficient assets provided to cover closing costs and liquidity requirements. $0 verified. Additional $1,737.79 required to cover cash to close and 3 months PITIA reserves requirements as xxxxxx.. | xxxxxx: Received | xxxxxx |  |  | Complete |  |
| xxxxxx | 753095 | xxxxxx | xxxxxx | xxxxxx | 3-Refi Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Missing Assets | Clear | xxxxxx A | Missing copy of two months bank statements | xxxxxx: Received | xxxxxx |  |  | Complete |  |
| xxxxxx | 753095 | xxxxxx | xxxxxx | xxxxxx | 3-Refi Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Insufficient Hazard Insurance | Clear | xxxxxx A | Hazard insurance provided of ($52500) does not cover loan amount of (xxxxxx). Per xxxxxxx unpaid principle amount must be covered. | xxxxxx: Received | xxxxxx |  |  | Complete |  |
| xxxxxx | 753095 | xxxxxx | xxxxxx | xxxxxx | 3-Refi Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Note | Clear | xxxxxx A | Note reflects an incorrect maturity date of xxxxxx effectively making the loan a 1 month term loan. | xxxxxx: Received | xxxxxx |  |  | Complete |  |
| xxxxxx | 756554 | xxxxxx | xxxxxx | xxxxxx | 4-Refi No Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Missing Assets | Clear | xxxxxx A | Missing copy of two months bank statements | xxxxxx: Received | xxxxxx |  |  | Complete |  |
| xxxxxx | 756554 | xxxxxx | xxxxxx | xxxxxx | 4-Refi No Cash Out | Investment Property | xxxxxx | xxxxxx | xxxxxx | Closed | xxxxxx | Credit | Insufficient Liquidity | Clear | xxxxxx A | Insufficient assets provided to cover closing costs and liquidity requirements. $0 verified. Additional $5,351.57 required to cover cash to close and 3 months PITIA reserves requirements per xxxxxx. | xxxxxx: Received | xxxxxx |  |  | Complete |  |

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## Exhibit 99.46

**EXHIBIT 99.46**

**CONSOLIDATED ANALYTICS DATA COMPARE report**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Verus Loan Number** | **Account Number** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| 772626 | xxxxxx | Number_Units | 4 | 6 | FALSE |
| 770441 | xxxxxx | Prepayment_Penalty_Indicator | 0 | Present | FALSE |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Seller ID** | **VERUS Loan ID** | **Field ID** | **Original Field Value** | **Audit Value** | **Data Compare** |
| xxxxx | 756551 | DSCR | 1.910 | 1.909 | Fail / Not Material |
| xxxxx | 756552 | DSCR | 1.550 | 1.286 | Fail / Not Material |
| xxxxx | 753050 | DSCR | 1.405 | 1.369 | Fail / Not Material |
| xxxxx | 753093 | PITIA | $605.51 | $605.52 | Fail / Not Material |
| xxxxx | 756560 | PITIA | $873.49 | $873.49 | Fail / Not Material |
| xxxxx | 756551 | PITIA | $468.27 | $468.78 | Fail / Not Material |
| xxxxx | 756559 | PITIA | $675.35 | $675.35 | Fail / Not Material |
| xxxxx | 753050 | PITIA | $676.34 | $675.74 | Fail / Not Material |

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## Exhibit 99.47

**EXHIBIT 99.47**

**CONSOLIDATED ANALYTICS gradING summary report**

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| | | |
|:---|:---|:---|
| **Verus Loan Number** | **Loan Number** | **Original Balance** |
| 770432 | xxxxxx | xxxxxx A |
| 772737 | xxxxxx | xxxxxx A |
| 772626 | xxxxxx | xxxxxx A |
| 772789 | xxxxxx | xxxxxx A |
| 772542 | xxxxxx | xxxxxx D C A |
| 772798 | xxxxxx | xxxxxx C A B |
| 772781 | xxxxxx | xxxxxx C A |
| 772405 | xxxxxx | xxxxxx A |
| 772544 | xxxxxx | xxxxxx A |
| 771794 | xxxxxx | xxxxxx D C A B |
| 770441 | xxxxxx | xxxxxx A |
| 768698 | xxxxxx | xxxxxx A |
| 768509 | xxxxxx | xxxxxx A |
| 769120 | xxxxxx | xxxxxx A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date:** | **11/30/2022** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Total Loan Count:** | **15** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Borrower** | **Note Date** | **Original Loan Amount** | **Initial Rating** | **Initial Credit Rating** | **Initial Compliance Rating** | **Initial Property Valuation Rating** | **Final Rating** | **Final Credit Rating** | **Final Compliance Rating** | **Final Property Valuation Rating** | **Final Overall Grade(KBRA)** | **Final Credit Grade (KBRA)** | **Final Compliance Grade (KBRA)** | **Final Property Valuation Grade (KBRA)** | **Final Overall Grade (S&P)** | **Final Credit Grade (S&P)** | **Final Compliance Grade (S&P)** | **Final Property Valuation Grade (S&P)** |
| 753093 | xxxxxx | xxxxxx | xxxxxx | C | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A |
| 756560 | xxxxxx | xxxxxx | xxxxxx | C | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A |
| 753097 | xxxxxx | xxxxxx | xxxxxx | C | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A |
| 756551 | xxxxxx | xxxxxx | xxxxxx | C | C | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A |
| 756552 | xxxxxx | xxxxxx | xxxxxx | C | C | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A |
| 756550 | xxxxxx | xxxxxx | xxxxxx | C | C | N/A | A | B | B | N/A | A | B | B | N/A | A | B | B | N/A | A |
| 756559 | xxxxxx | xxxxxx | xxxxxx | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A |
| 753050 | xxxxxx | xxxxxx | xxxxxx | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A |
| 753098 | xxxxxx | xxxxxx | xxxxxx | C | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A |
| 756558 | xxxxxx | xxxxxx | xxxxxx | C | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A |
| 756557 | xxxxxx | xxxxxx | xxxxxx | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A |
| 753094 | xxxxxx | xxxxxx | xxxxxx | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A |
| 753095 | xxxxxx | xxxxxx | xxxxxx | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A |
| 756554 | xxxxxx | xxxxxx | xxxxxx | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A |
| 757058 | xxxxxx | xxxxxx | xxxxxx | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A |

---

## Exhibit 99.48

**EXHIBIT 99.48**

**CONSOLIDATED ANALYTICS ATR QM report**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Verus Loan Number** | **Loan Level ATR/QM Status** | **Application Date prior to 1/10/2014** | **Lender Application Date** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Residual Income Analysis in File** | **Residual Income** | **Loan Status** |
| xxxxxx | 770432 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 7.214 | Not Employed | Not employed | No | No | No | $0.00 | Closed |
| xxxxxx | 772737 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 7.758 | Employed | Retired/SSI | No | No | No | $0.00 | Closed |
| xxxxxx | 772626 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 7.087 | Employed | Not Applicable | No | Not Applicable | No | $0.00 | Closed |
| xxxxxx | 772789 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 8.161 | Employed | Not employed | Yes | Yes | No | $0.00 | Closed |
| xxxxxx | 772542 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 7.711 | Self-Employed | Not Applicable | No | Not Applicable | No | $0.00 | Closed |
| xxxxxx | 772798 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 7.549 | Not Employed | Not Applicable | No | Not Applicable | No | $0.00 | Closed |
| xxxxxx | 772781 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 7.025 | Self-Employed | Not Applicable | No | Not Applicable | No | $0.00 | Closed |
| xxxxxx | 772405 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 7.719 | Self-Employed | Not Applicable | No | Not Applicable | No | $0.00 | Closed |
| xxxxxx | 772544 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 7.888 | Not Employed | Not Applicable | No | Not Applicable | No | $0.00 | Closed |
| xxxxxx | 771794 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 7.720 | Not Employed | Not Applicable | No | Not Applicable | No | $0.00 | Closed |
| xxxxxx | 770441 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 7.430 | Not Employed | Not Applicable | No | Not Applicable | No | $0.00 | Closed |
| xxxxxx | 768698 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 6.959 | Not Employed | Not Applicable | No | Not Applicable | No | $0.00 | Closed |
| xxxxxx | 768509 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 6.670 | Employed | Employed | No | No | No | $0.00 | Closed |
| xxxxxx | 769120 | ATR/QM: Exempt | No | xxxxxx | N/A | xxxxxx | 7.755 | Self-Employed | Not Applicable | No | Not Applicable | No | $0.00 | Closed |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Verus Loan Number** | **Loan Level ATR/QM Status** | **Application Date prior to 1/10/2014** | **Lender Application Date** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Residual Income Analysis in File** | **Residual Income** | **Loan Status** |
| xxxxxx | 753093 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 7.25% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 756560 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 6.88% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 753097 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 6.50% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 756551 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 6.88% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 756552 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 6.88% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 756550 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 6.88% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 756559 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 6.88% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 753050 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 7.25% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 753098 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 6.50% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 756558 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 6.88% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 756557 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 6.88% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 753094 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 6.88% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 753095 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 6.88% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 756554 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 7.25% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |
| xxxxxx | 757058 | ATR/QM: Exempt | No | xxxxxx | N/A | N/A | 7.25% | Self-Employed | Not Applicable | No | No | No | $0.00 | Closed |

---

## Exhibit 99.49

**EXHIBIT 99.49**

**CONSOLIDATED ANALYTICS VALUATIONS SUMMARY report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| xxxxxx |  | 770432 | xxxxxx | xxxxxx | xxxxxx | 70% | 04/13/2022 | xxxxxx | Form 1025 |  |  |  |  |  |  |  | 04/20/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx |  | 772737 | xxxxxx | xxxxxx | xxxxxx | 80% | 05/26/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | 06/07/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx |  | 772626 | xxxxxx | xxxxxx | xxxxxx | 38.91% | 06/08/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | 05/24/2022 | xxxxxx | xxxxxx | -14.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx |  | 772789 | xxxxxx | xxxxxx | xxxxxx | 74.24% | 06/14/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | 06/14/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx |  | 772542 | xxxxxx | xxxxxx | xxxxxx | 65% | 04/20/2022 | xxxxxx | Form 1073 |  |  |  |  |  |  |  | 04/28/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx |  | 772798 | xxxxxx | xxxxxx | xxxxxx | 57.69% | 06/21/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | 06/23/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx |  | 772781 | xxxxxx | xxxxxx | xxxxxx | 38.65% | 05/31/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | 06/07/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx |  | 772405 | xxxxxx | xxxxxx | xxxxxx | 70% | 05/05/2022 | xxxxxx | Form 1073 |  |  |  |  |  |  |  | 05/19/2022 | xxxxxx | xxxxxx | -3% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx |  | 772544 | xxxxxx | xxxxxx | xxxxxx | 70% | 03/29/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | 03/29/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx |  | 771794 | xxxxxx | xxxxxx | xxxxxx | 80% | 05/20/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | 05/26/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx |  | 770441 | xxxxxx | xxxxxx | xxxxxx | 80% | 03/25/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | 04/06/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx |  | 768698 | xxxxxx | xxxxxx | xxxxxx | 50.38% | 03/08/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | 03/17/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx |  | 769120 | xxxxxx | xxxxxx | xxxxxx | 75% | 03/11/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | 03/24/2022 | xxxxxx | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx |  | 768509 | xxxxxx | xxxxxx | xxxxxx | 65% | 03/18/2022 | xxxxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04/05/2022 | xxxxxx | xxxxxx | 5.83% |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Verus Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CUSCORE** | **ISELIGIBLEFORREPANDWARRANTRELIEF** |
| xxxxxx | 753093 | xxxxxx |  | xxxxxx |  | xxxxxx | 70.00% | 6/8/2021 | xxxxxx | 1004 |  |  |  |  |  |  |  | 6/30/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 756560 | xxxxxx |  | xxxxxx |  | xxxxxx | 59.63% | 6/8/2021 | xxxxxx | 1004 |  |  |  |  |  |  |  | 7/25/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 753097 | xxxxxx |  | xxxxxx |  | xxxxxx | 70.00% | 6/4/2021 | xxxxxx | 1025 |  |  |  |  |  |  |  | 6/21/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 756551 | xxxxxx |  | xxxxxx |  | xxxxxx | 75.00% | 6/15/2021 | xxxxxx | 1004 |  |  |  |  |  |  |  | 7/19/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 756552 | xxxxxx |  | xxxxxx |  | xxxxxx | 75.00% | 6/15/2021 | xxxxxx | 1004 |  |  |  |  |  |  |  | 7/18/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 756550 | xxxxxx |  | xxxxxx |  | xxxxxx | 75.00% | 6/15/2021 | xxxxxx | 1004 |  |  |  |  |  |  |  | 7/21/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 756559 | xxxxxx |  | xxxxxx |  | xxxxxx | 70.00% | 6/8/2021 | xxxxxx | 1004 |  |  |  |  |  |  |  | 6/17/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 753050 | xxxxxx |  | xxxxxx |  | xxxxxx | 70.00% | 6/25/2021 | xxxxxx | 1004 |  |  |  |  |  |  |  | 7/7/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 753098 | xxxxxx |  | xxxxxx |  | xxxxxx | 70.00% | 6/4/2021 | xxxxxx | 1025 |  |  |  |  |  |  |  | 6/21/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 756558 | xxxxxx |  | xxxxxx |  | xxxxxx | 75.00% | 7/12/2021 | xxxxxx | 1004 |  |  |  |  |  |  |  | 7/19/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 756557 | xxxxxx |  | xxxxxx |  | xxxxxx | 70.00% | 7/6/2021 | xxxxxx | 1025 |  |  |  |  |  |  |  | 7/25/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 753094 | xxxxxx |  | xxxxxx |  | xxxxxx | 70.00% | 5/21/2021 | xxxxxx | 1004 |  |  |  |  |  |  |  | 7/14/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 753095 | xxxxxx |  | xxxxxx |  | xxxxxx | 70.00% | 5/21/2021 | xxxxxx | 1004 |  |  |  |  |  |  |  | 6/28/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 756554 | xxxxxx |  | xxxxxx |  | xxxxxx | 70.00% | 6/25/2021 | xxxxxx | 1004 |  |  |  |  |  |  |  | 7/14/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | 757058 | xxxxxx |  | xxxxxx |  | xxxxxx | 70.00% | 6/30/2021 | xxxxxx | 1004 |  |  |  |  |  |  |  | 7/21/2021 | xxxxxx | $- | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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